I retired at 58 and my husband will work for two more years If I make a modest $20,000 per year for the next five years How does that affect the numbers? Do I multiply by 25 and consider as if we have an extra 500k in the portfolio. Looking forward to a frame of reference and way to think about this Some of our numbers in case you need for reference are current net worth after the 15% market decline is 2.5 million In various ira's ross cash and brokerage period.

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