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Assuming zero percent gain: Portfolio will be worth $24,650
Spending cushion account (assuming I don't need to access it) = $14,760
From there, my expenses and income will go up considerably, to the point where I can't plan past that date.
If I can average an 8% annual rate of return and increase my contribution to 1k/month, I should have 50k in 3.5 years.
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