Most calculators (and advisers) don't adjust this key figure once saving has begun. Blog post discussion at http://wp.me/p2Oizj-sq

1. Concept: Standard of Individual Living (SOIL),
and interaction with Saving More
SOIL (Current)
Lines cross =
When can retire
Age
Portfolio Balance

2. Concept: Standard of Individual Living (SOIL),
and interaction with Saving More
SOIL (Current)
Before retirement
Lines cross =
When can retire
Age
Portfolio Balance
When save more:
1) Lines cross SOONER
since saving more increases
portfolio balance
(everybody; static)

3. Concept: Standard of Individual Living (SOIL),
and interaction with Saving More
SOIL (Current)
Before retirement
Lines cross =
When can retire
Age
2) SOIL lowered because
Money Saved, not spent =
Can retire even sooner
(few; dynamic)
Portfolio Balance
When save more:
1) Lines cross SOONER
since saving more increases
portfolio balance
(everybody; static)
New SOIL
Automatic,
By action

4. Concept: Standard of Individual Living (SOIL),
and interaction with Saving More
SOIL (Current)
Before retirement
Lines cross =
When can retire
Age
2) SOIL lowered because
Money Saved, not spent =
Can retire even sooner
(few; dynamic)
Portfolio Balance
When save more:
1) Lines cross SOONER
since saving more increases
portfolio balance
(everybody; static)
More saved; moves line more
Dynamic:
Combined effect is
to move to “Green
Triangle” so you
may retire sooner
New SOIL
Automatic,
By action