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    1 year ago

    Note that surviving for 30 years is easier than surviving 40/50/etc (for early retirees). As is common knowledge at this point, blindly withdrawing x% every single year is a lot more risky than ratcheting up or down depending on how the market is doing. If the market is bad you should be cutting back on your frivolous spending, which will give you a higher success chance with no extra nest egg required.