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In this segment, the speaker discusses adding complexity to a financial model by addressing realistic assumptions, particularly regarding the inflation rate. They highlight the importance of incorporating a reasonable inflation rate, noting that recent trends show inflation in the U.S. is around 1% per year, but they suggest using 2% for modeling purposes. The speaker emphasizes that predicting the future accurately is challenging, yet it’s crucial to include an inflation rate in the model, as the actual value of future money will be less than its nominal amount due to inflation.