E.g. do you really expect a spouse whom you insisted sign a prenup will spoon feed you or change Depends?
And yes it makes sense to use one estimated return--
In the long term wages also track inflation, so a paid-off property gets a real rate of return equal to the inflation rate. This is roughly equal to the rate of return of stocks.
The problem with this is that you reach a threshold where it can't really get any harder...you are rowing at such a speed that the the fan does not have enough resistance to keep up.
This presentation seems to be heavily in favor of STEM and specific pro-engineering. Did I just miss the health care fields of premed, dentistry, physical therapy, etc...?
sambb wrote:Absolute % of returns don't matter. What matters is "returns MINUS inflation rate" for the things that you intend on using money for.