Retirement planning can be extremely complex. I often describe it as trying to hit a moving target in the wind. The target is moving because an individual does not know with any certainty the exact date retirement will begin or the duration of the retirement period. This means there is no way an individual can aim for a “magic” retirement savings amount. There is also the dynamic of wind because laws change, markets change, individual goals change, and the world changes. As a result, the path from day one of retirement to day 10,950 of retirement (assuming 30 years of retirement), follows anything but a straight line.

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