u/WeirdDay8097

From searching this sub, it seems that most folks are considering a 5%-6% real return (so adjusted for inflation) when they want to be conservative in their planning. However, when we spoke to Vanguard and Charles Schwab planners, they used rates that were WAY more conservative - roughly around 3.6%-3.9%. That's a pretty significant difference and changes our calculations in a big way. I'm not really sure what rate to rely on because I do want to be conservative but not so much that I end up delaying retirement for no reason?