Quote:
Originally Posted by RichieRich
SHOULD one consider inheritance? (it might be "only" as much as $250k, but certainly not a $1MM).
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I think it's a matter of risk tolerance because it's an uncertainty. I don't include anything of that type in my calculations, but then I also don't include the proceeds from the sale of my primary residence - I have no idea what my living situation will be in 30 years.
Just go off your retirement plans' projected growth, assuming a conservative percentage, and target a modest retirement income that you could live off of fairly comfortably if frugally, IMO. Then whatever you end up with on top of that is gravy.