Yrs/Age - The sheet assumes you start working and saving at age 20. You can enter a different age in this cell to reflect your starting age. |

Annual raise - 1.03 reflects 3% per year annual raises. You may replace this number if you think you will get higher or lower raises. |

Percent saved - This sample sheet reflects a 15% savings rate as this is the savings needed to meet the retirement goals I suggested. Adjust up or down as you wish. |

Annual return - 1.08 means an 8% appreciation, you may adjust this number to reflect more conservative or more agressive assumptions. |

Yrs income saved - as I discussed, a long term goal of savings equal to 20-25 times your annual (final) salary is what is needed to provide this withdrawal rate with low risk of drawing down the account. |