I paid something like $100 / year for a planning software package designed in part by Boston University's professor of economics, Lawrence Kotlikoff. Here is the link
https://maxifiplanner.com/
I've found it was pretty thorough and was worth the time it took to learn to use it.
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This seems interesting. Do you use the online or the desktop version and what do you feel is the best information it's provided you? The part where they calculate your max spending seems pretty un-MMM.
I use the calculation of how much I could spend, mostly as an arbitrary measure. In other words, I don't think the figure will influence what I really end up spending.
Of course, I know what I usually spend today. The difference between the two figures (maximum spending minus what I spend today) is the "headroom" available in case any of the assumptions in the model turn out to be bad and/or how much I might be able to sustainably increase my spending if I find that I'd like to spend more after giving up my day job.
Thanks for a great, inspiring, timely web site by the way!
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