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My financial planner recently took a critical look at the calculators I'd been using to estimate retirement savings. He pointed out that many online tools use overly optimistic growth assumptions and ignore sequence-of-returns risk, which can dramatically affect long-term outcomes. He recommended adjusting the default inflation rate and tax brackets in a few of them to get a more realistic picture. Now I feel more confident in my planning, knowing the numbers aren't just wishful thinking.

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