bpdulog

Agreed. I wouldn't wholly rely on any rule-of-thumb

Chuckrox

Those "fluff" things like "ability to work again" are actually used in the real world, at least we consider them. We have a client who retired early by traditional standards and pondered if he was too aggressive in this withdrawl rates....his ability to return to the workforce was even something he brought up; plus he has multiple homes which could also be liquidated to reduce expenses and raise funds.

I know they can be harder to incorporate because they aren't black & white, but it isn't just something embedded in academia with no real world application.