You could do that, but then depending on how long “more than 30 years in retirement” is you might radically over save for retirement. Which is another way of saying you keep working for years for money you neither need nor plan to spend.In general, I believe keeping things simple is the best choice. If you have more than 30 years in retirement, start with 3.5 or even 3.75 SWR. Then, as Social security come in you SWR will decrease. As you age your spending will decrease and therefore your SWR.
If you don't have SS, you will have to start at a lower SWR.
Which of course is a choice, but sub-optimal
Statistics: Posted by ScubaHogg — Tue Jul 02, 2024 1:32 am — Replies 800 — Views 228971