How much initial money?

You created a retirement planning spreadsheet in the previous exercises. In that spreadsheet, you indicated that you wanted to save for 15 years outside of retirement with $1,400,000 initial balance.

Looking at the your model, you see the stock holdings are negative before the end of 15 years (cell E27). What initial balance do you need to keep all balances positive through 15 years?

You can change the estimate of the initial balance by $15,000 at a time to find a suitable initial balance for nominal retirement dollars to remain positive.