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**The author once met Kristia at a beach party in Boksburg. Yes that’s about as dodgy as it sounds. At least one of us was sober at the time. I won’t tell you which one!

Curious what rate of return you used in the calculator? That will also have an effect on the outcome.
Might be nice to have this as one of the inputs - e.g. a balanced fund (e.g. RA/Pension/Preservation) in theory will have a lower return than a pure equity fund (e.g. TFSA)