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Spending During Retirement: Realistic Estimates for Replacement Ratios
The Retirement Cafe 
[Opinion] Sept. 13, 2018
"[R]eplacement ratios compare costs for the first year of retirement to the year before. Hopefully, your retirement will last longer than a year and it is unlikely that if you decide to travel the world at age 65, for example, you will still be flying at 85.... Even if the retirement you envision requires a 130% replacement ratio, that increase won't last forever and probably won't require doubling your pre-retirement savings target, though it will increase it."
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