I recently tried out the emergency savings and the retirement calculator. I realized that a lot of those calculators don't count the scenarios like pandemic and the often regular recessions. So this kind of makes you wonder how the impact on the overall calculators over 10 year horizon would make.
It doesn't matter what the long-term is in this case. We know what it is now and we can predict what it will be in 6 months. Even if only able to do this for a year, it would make a significant dent on the future. No one knows what happens tomorrow - there could be a massive EMP that destroys all records and everyone is at zero! :D