Complicated spreadsheets and numbers about money are something I'm already interested in. I only have those for trading but not for computing retirement countdowns. You're on the right track and more organized than I am which is great.

I tried computing the projected income I need to maintain to keep my current lifestyle (not luxuries but comfortable) and I need 23x the amount to get by at 60 monthly at my country's current inflation rate which is more than twice than I initially projected pre pandemic. It's just nuts to think these scenarios are not far from reality and there are countless people out there not even doing spreadsheets to see where the economy is heading when they retire, just nuts.

I never entertained tropical paradise but a mountainous area in some province away from city where costs of living is the mental image I have working for me right now.