What SWR are you planning for? Do you feel confident in 4%? 3%? 5?

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3.9999999%

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6.9%

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Not 4.20?

2% if I’m retiring early 40s

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Why? 3% lasts forever

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3.5% is my absolute top; conservatively use 3%

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4% and paid off house in my 40s

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This depends a lot on people's time horizon at retirement, their portfolio type, bequest motive, and how much room they have in their expense estimate for flexibility.

I am currently using 2.5% initial WR as a planning number. I may wind up spending more or less than that in the real world.

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5% I plan do something that makes some kind of money and accelerating time FIRED than money saved.

Bengen’s update of his SWR to 4.7 as well as several follow on portfolio studies have lead me to believe that the risk is outweighed by the potential to live life fully.

2.2M or 110k annual which covers all of my expenses.

I plan to do something productive on my own schedule without pressure (furniture building, part time consulting, etc) that will create some income. That will help make taxable income for ACA subsidies as well as lower SORR. Both make 5% palatable and get me out of the race sooner.

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6.7

I needed 2% prior to the Covid years inflation (about 22% cumulatively). Now I’m closer to needing 3%.

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