Once you complete your Plan Worksheet, I think you’ll have a spending and investing plan that is 1) safer than the one you have now and 2) will almost certainly provide more for you and your heirs over time. Those two statements sound like contradictions, but they aren’t. Beginning portfolio values and results are stated in constant dollars and in terms of $1 million starting portfolio. In the book you’ll see a comparison of plans of two who are the exact same age. Most would judge each plan as reasonable, but one is safer by a factor of four in the out-years, and at expected sequences of return that plan provides $500,000 more. Safer. And More.