https://www.workfortime.com/investment-calculator/
https://www.workfortime.com/retirement-calculator/
I tried to show how age and length of investment really impact how much wealth you can create.
* This is typically cited from the Trinity study (https://en.m.wikipedia.org/wiki/Trinity study).
* It is looking at a 30 year time horizon. For longer periods you'd need a but more money, but not double. 3% is incredibly safe, and wouldn't take that much longer to acquire once you're at 4%.
* Slight reductions in expenses during down years have a huge effect on the overall success of the portfolio. If you could reduce expenses to 3.5% during severely down years, that would significantly help the success and longevity of your portfolio.