If we had the following, we could create a spreadsheet and tell you exactly how much you could spend each year in retirement. The current value of all your assets How the value of each asset will change year by year How much cash will be wanted/needed each year We can get reasonably close to #1. So far so good. #2 includes not only your investments, but also your real estate and any other item that shows up on your balance sheet. We’ve misplaced our crystal ball, so unless yo