Thank you for your kind words. It's always a treat to hear from someone who enjoys what I write and hopefully finds it helpful. Regarding dying broke, I can understand why some people have that as their goal, but it's not one I can share for two reasons. First, I want to leave behind for each of our kids more than our parents left us. Second, it's impossible to be so precise given all the uncertainties, so you're quite likely to miscalculate and have some leftover funds, or far worse, run out while you're still alive.