[FairfieldLife] Re: Retire at 30

[new . morning]

--- In FairfieldLife@yahoogroups.com, "shempmcgurk" <[EMAIL PROTECTED]> wrote:>> --- In FairfieldLife@yahoogroups.com, new.morning <no_reply@> > wrote:> >> > Uh, I deal with annuities, lifetime annuities, and SPIAs as part of > my business...I'd sure love to see the figures for a 35 year old...> Here is a badly formated paste of the spreadsheet.or see linkhttp://spreadsheets.google.com/ccc?key=pEMsn4qT5NcMHrk7yipTCQQI even have a seperate sheet/tab for you to run it with your own assumptions    Sex Workers                    
    Retire at 30 Scenarios                    
        Midline    Low    Low Extended    High    
Income                        
    average fee    $400.00    $400.00    $400.00    $400.00    
    Vat and House %    40%    40%    40%    40%    
    provider gross    $240.00    $240.00    $240.00    $240.00    
    avg tax rate    40%    45%    45%    30%    
    provider net    $144.00    $132.00    $132.00    $168.00    
    unreported tips    50    30    30    75    
    Provider total    $194.00    $162.00    $162.00    $243.00    
Schedule                        
    work/days/mo    20    18    18    22    
    provisions/work day    4    3    3    5    
    provisions/month    80    54    54    110    
Expenses                        
    After tax per month    $15,520.00    $8,748.00    $8,748.00    $26,730.00    
    outfits/salons/gym    700    700    700    2000    
    Living Expenses    3000    2500    2500    5000    
    Net investable    $11,820.00    $5,548.00    $5,548.00    $19,730.00    
Investments                        
    Investment years    12    12    17    12    
    Avg ROI*    6%    6%    6%    8%    
    inflation rate**    4%    4%    4%    4%    
    Fee % increase above inflation***    5%    4%    4%    6%    
    monthly compounded real ROI    0.90%    0.82%    0.82%    1.13%    
Annuity                        
    Annuity years    70    70    65    70    
    Annuity ROI    6%    5%    5%    7%    
    Real ROI    2%    1%    1%    3%    
Bottom Line                        
    Nest Egg, Inflation Adjusted    $3,447,293.41    $1,510,978.10    $2,887,337.89    $7,080,532.41    
    Annual Annuity age 30-100    $91,931.21    $30,118.06    $60,624.47    $243,121.59    
                        


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