tag:blogger.com,1999:blog-2585948641719695681.post397668790732394040..comments2023-06-11T02:25:38.070-07:00Comments on From 0 to $1 million: My Retirement PlanningUnknownnoreply@blogger.comBlogger2125tag:blogger.com,1999:blog-2585948641719695681.post-15206125219781970232012-06-08T13:07:03.992-07:002012-06-08T13:07:03.992-07:00Yeah, 6% annual return more realistic. The US econ...Yeah, 6% annual return more realistic. The US economy suffered two major bubbles and has massive debt with high unemployment. Now kids are graduating with massive college debt and will be paying down their loans instead of increasing consumer spending. The boom times are over.<br /><br />I spent the last six years throwing all my money into a Roth IRA, but I'm switching to a Traditional IRA since I have no 401k and qualify for the full deduction (more $$$ to invest). I also expect to be in a lower tax bracket, especially with my frugal lifestyle.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-2585948641719695681.post-58505479394427457792012-03-01T08:28:45.856-08:002012-03-01T08:28:45.856-08:00You are half wrong. 12% interest annually is wher...You are half wrong. 12% interest annually is where Dave Ramsey is way off. Getting people to expect a 12% return on their portfolio evend during retirement when you should be getting more conservative with your investment choices is flat out wreckless. Insert 6-8% and your model looks much more realistic. That being said your retirement ideas look great either way.PJFhttps://www.blogger.com/profile/02641253057722841410noreply@blogger.com