See footnote 1 for investment advancement assumptions. 4. The money substitution amount is The proportion of preretirement income that someone really should target changing in retirement. The earnings substitution targets are determined by Shopper Expenditure Survey (BLS), Figures of Income Tax Stat, IRS tax brackets, and Social Security Advantage Calculators. https://gold-ira49258.ageeksblog.com/35033880/the-retirement-asset-diversification-diaries