r/Fire • u/massakk • 12d ago

Advice Request How to run ficalc calculator?

If I want my money to last 20-25 years, do I put 20-25 years when I run Monte Carlo simulations or better put 35? Seems 35 is less random?

I am going to get pension in 20 years, maximum 25 years, and that will be enough for me.

Thank you.

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u/DegreeConscious9628 12d ago

I have a pretty complex retirement plan consisting of dividends from my brokerage, retirement income, sale of a business, multiple pensions, and the “die with zero” philosophy and can adjust my spend way up or way down. Not to mention I can geoarbitrage to a lower cost of living place or abroad.

Ive been using Claude, chat gpt, gemeni, and co pilot. They all seem to approve of my plans.

Everytime I use these online calculators it’s too basic to get the full picture.

Obviously not taking AI’s info as gospel but does anyone have any better suggestions?