I kind of just get curious to see where I'm at and where I'm going every four months or so. And the calculators I use all claim to account for inflation automatically. I don't know what percent they use to account for inflation though.

I assume they don't account for black swan-type events like COVID+the CARES Act though. That's a big part of why I figure no better than 4%

I'm personally pretty conservative. So when I play around with 401K calculators and similar tools, I assume a 4% average annual return and plan to invest accordingly.

It's possible, even likely, that I'll be pleasantly surprised with more money in retirement than I'd planned on. But my strategy leads to a much greater level of stability.