The Mine, the Gap Spread Sheet

This particular listener likes that type of analysis. She's Don Monte Carlo analysis, which is basically a similar approach where you look at your spending,. Your portfolio will last 23 years. Recognizing though that you're not going to get 3.2% in her case every single year. You can have a loss. So if she lost 19% next year, then and then to earn upwards of her 4% over the next 23 years, the average return would still be that 3.2%. But then her assets would only last around 23 years instead of 26.