Properly defined, f-u money is a moving target
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Isn’t this reverse? You need way less money to retire at 60 than 20
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At 60 your hardest problem is likely much harder, like a serious medical condition
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so it goes to infinity at your life expectancy... I think if you eliminate health(am just doing a thought experiment) that curve gets much more flat... I do like the graph and concept though
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exactly, death is a problem no amount of money can solve indefinitely
There is an implied variable in your graph - future earning potential as a function of age. It is composed with expense risk as a function of age. Decompose these.



