See footnote one for investment progress assumptions. 4. The income substitution rate is The proportion of preretirement income that a person should goal changing in retirement. The money substitution targets are determined by Shopper Expenditure Study (BLS), Studies of Income Tax Stat, IRS tax brackets, and Social Security Benefit Calculators. https://jeffreyjiykb.creacionblog.com/36045563/the-5-second-trick-for-retirement-portfolio-hedge