With a new year upon us and with income taxes capital gains taxes and dividend taxes going way up for those making over $400 000 per year ($450 000 for joint filers) and payroll taxes going up for everybody else it’s time once again to ask how much the typical couple might need to retire. I want to look at a sample couple’s probability of never running out of money in retirement using Monte Carlo analysis a statistical method that approximates the probability of an outcome -- in this case never running out of money --  by running multiple ...