I can only speak to the tax rate part.
The answer needs to be tweaked to be more realistic and relevant.
Marginal tax rate is irrelevant.
Need to look at effective tax rate.
And there is a difference in the CAGR required between a person with a 20% effective tax rate vs someone with 30%.
I don't get how you would want to ignore this important part when it has a big impact on the outcome and instead use a non-existing 47% flat rate tax and think that is reasonable.
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