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Here are sine me details about the graph. The cost to retire in the US was based on 80% of my income at retirement. That is standard in modeling retirement. The cost to retire in Utila was based on doubling the rule of thumb for living here—$48K. On average you can expect a 7% return on your retirement account Because $48K is less than the 7% return I continue to build my savings instead of depleting them. That second bump on the yellow line is when social security kicks in, decreasing the amoun
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