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By: Katie

I looked over your chart – I also have been building my own charts for my retirement. However, based on my expenses today and factoring in inflation (something that I did not see in your spreadsheet),...

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By: Canadian Dream

Katie, All calculations are done in today’s dollars hence inflation is already accounted for (see Part I). Each person is different on how much they need. For example, even with a mortgage I don’t...

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By: Canadian Dream: Free at 45 » Blog Archives » Semi-Retired Scenario

[...] at the end of my last set of retirement calculations I mentioned I had several other scenarios that I wanted to run.  So far I only finished the [...]

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By: Perry

Great blog. There are many good reasons for simple (thrifty) living. I would suggest that you should think of this as a career transition, perhaps to self-employment, rather than “retirement.” Finding...

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By: louieP

what’s the definition of, in Chart1, Total Income and Est.Spending? and why is Est. Spending no increasing per inflation over time?. Thanks Louie

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By: Perry

In attempting to create a similar retirement worksheet for myself I learned a few things you might need to think about. 1. The RRSP and TFSA limits are not adjusting upward with inflation. So to keep...

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By: Canadian Dream

Perry, Some excellent points to consider. Re:#1 TFSA do have a provision to increase with inflation, but only in $500 increments, but I think your point is still mostly valid. At best the increases are...

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By: Canadian Dream

Estimate spending doesn’t increase because inflation was removed from the calculations (hence real returns and today dollars). As to Chart 1 I’m a little confused on what you are asking about. Could...

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By: Catherine

I was wondering what kind of estate planning and financial planning you’re doing related to the possibility of the early death of you or your spouse. Do you have life insurance over and above anything...

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By: Serge

Tim, I am not sure that I understand your BASE shredsheet. How do you calculate column #3 (Pension)? Is this money that you can put aside for pension? Since your annual income is not here, it is...

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