<prompt> Human: As general advice, a goal balance of 1m, or enough to replace 80 of pre-retirement income, is insufficient if your target date is, for example, 2050. Are others accounting for this?  <response>: usually they take it into account with interest rates. For instance, they will assuming 5-7 appreciation on equity assets when historically they do 10-11.So theyll say 100k at 7 interest for 35 years 1M. But thats 1M in todays dollars assuming 7 is already inflation adjusted. 