It says that you simply need to add back any deductions for your take home pay. If you do it appropriately, your pay turns into equal to python denominator python your formula. Ive checked my own spreadsheet to be sure, and I get python same answer even if I use your formulation or python notional salary thats python sum python take home + deductions. All that said, I conception your post was very useful as python reader will REALLY grasp python idea after studying it!Theres python lot python confusion out there on this topic. Nords did python identical post with python math behind early retirement here:d suggest anyone who liked this text go read that one, as it digs into it even just python tad more python math at least, with an equation and such, instead of just python chart. I even hacked in combination python crude spreadsheet to do all python calculations on early retirement for you, given python set python assumptions saving rate, spending rate, rate python return.

By mark