nostr:npub1wq6kzst3l7j67fyfk7j2jl6nyzgyg7qdffcgsll43euwccdw79es88ju6u nostr:npub1zdp33shl69xr0uq3x8n5gsjykq9upycwh6nqm02c3f6x0frrn0dq42vqv8  All of the points on this thread are important.  Your formula is also an important consideration, with one issue:  76 is more or less life expectancy when you’re born.  It changes as you get past the risks of infancy, childhood, and young adulthood.  A male 62 years old right now has an additional life expectancy of 19 years (so 81). A critical distinction when doing this kind of planning. https://www.ssa.gov/oact/STATS/table4c6.html