Thanks LibrarianFuzz. I think I have read that book, but will give it a second look. I just plugged our numbers into that spreadsheet, changed the rate of return, and come out even better than the Budgets are Sexy spreadsheet, by several years. Hmmm.
MDM, I only say 6% is conservative because it seems like all the spreadsheets and calculators automatically put it 8-9%, so I feel like using 6% is conservative by those standards. I realize there is no guarantee, either way.
Bacchi, one thing I don't get about using the YMOYL spreadsheet is how that would work if the majority of our investments are in retirement vehicles like a 401k? I guess one would need to begin putting money away in savings/investments where they could access prior to that age?
Thanks for the advice!
J.