Hey Threshkin,

I did essentially the same forecasts in my decision to retire. I found it very useful to be able to see how various assets are estimated to grow in the intervening years, and to understand how much income they could be expected to provide during different periods in your life, as you've done.

Your estimates are likely overly conservative as you already know, so you'll hopefully do even better than your estimates. In my case, I've used 2-3% for inflation, and I just subtract that out of expected return rates in order to put everything into current dollars (for example, I estimate 8% return on stocks, but use 5% to adjust for inflation).

I couldn't quite tell if you are double-counting or under-counting inflation in some cases. For example, you've said you assume no increase in rental income. Does that mean you assume no increase in real dollars, counting for inflation? Or you assume no increase PLUS inflation will whittle away at it (I'm assuming it's the former)? But then with cash, you assumed 0% return (which is good), but then are you taking into account that it *will* be affected by inflation and have a negative real return (if you hold it long enough)?