u/4me-2no2 ·
Reddit — r/investing
· 2026년 4월 9일, 22:27
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I like to use real return rates (6%) for projecting potential retirement balances. Since I use real rate, I use a flat investment amount (20% of current pay) for projections. Based on these, I hit my retirement number at 55.
Now I am looking to increase my lifestyle spending. My thought is to take my current investment amount and only increase it by the rate of inflation every year moving forward, increasing lifestyle spending as I receive pay increases.
Using this logic, will my projections still hold up?