You need separate plans for two phases: the accumulation years when you're saving and investing, and the actual retirement years when you're spending. Account for taxes and inflation in both.
We're going to talk about the present accumulation position. That's the present position. That's when we're in the accumulation phase of our life. And then the future position or the future disposition retirement position. That's the post-work position. So, position A, we'll call it. Position B, present and future. Make sure you have both of those plans in place so that you can get to where you want to go in the retirement phase adjusted with taxes and inflation.
