Some of you are still bothered. Dudley understands. You read the chapters about spending, Monte Carlo simulations and Betty’s one-pager and thought: Very nice. But what exactly did you put in the software? This chapter is for you. Everyone else may leave. Go outside. Talk to your spouse. Plant something. What follows contains account balances, inflation assumptions, withdrawal rules and enough financial modeling detail to ruin an otherwise pleasant afternoon. Dudley considers

For the nerds who made it this far, Dudley thought a glossary might be helpful. These are not necessarily the definitions used by financial professionals. These are what the terms appear to mean once you actually retire. Asset Allocation The precise percentage of stocks and bonds you carefully selected after months of research, which will be completely different six months later because one of them went up. Bear Market A temporary decline in the stock market during which prog