OK, those can be factored into the simulation. Care to add it?
As mentioned in the last paragraph, I don't think it will substantially change the results. Maybe you need to save $11K, or $15K. Personally as a software engineer, I've saved $15K+ every year for over a decade, and I live smack in the middle of San Francisco, one of the highest cost-of-living cities in the US.
Point is: you absolutely don't need to be insider trading to amass $8.2M over 67 years, working a normal job. (Or at least you didn't in the last 67 years, not saying anything about the next 67).
As mentioned in the last paragraph, I don't think it will substantially change the results. Maybe you need to save $11K, or $15K. Personally as a software engineer, I've saved $15K+ every year for over a decade, and I live smack in the middle of San Francisco, one of the highest cost-of-living cities in the US.
Point is: you absolutely don't need to be insider trading to amass $8.2M over 67 years, working a normal job. (Or at least you didn't in the last 67 years, not saying anything about the next 67).