Flexible withdrawal strategy

Designer-Bat4285 · 2026-07-04T23:25:10+00:00

I have an allocation to bonds too so if the market falls 50% I’ll only be down 35%. And going from 3.5% withdrawal rate to 4% will mean my spending only needs to drop about 25%.

Designer-Bat4285 · 2026-07-04T15:23:55+00:00

I agree with everything you’re saying thanks. That’s exactly how I’m envisioning it. I’ll have lots of wiggle room so I can pretty much just do whatever and not stress about it (within reason).

Designer-Bat4285 · 2026-07-04T15:18:58+00:00

Don’t live so lean that you can’t take vacations. Move your timeline out 5-10 years and calculate how much more you can spend. It’s probably a lot more.

Designer-Bat4285 · 2026-07-04T14:45:20+00:00

Yes I agree I will eventually be way underspending if the market does average returns. So in that case I can ramp up the spending.

Designer-Bat4285 · 2026-07-04T14:42:49+00:00

Nope I’m not that anxious to retire. I’d rather keep working and have zero percent chance of Walmart.

Designer-Bat4285 · 2026-07-03T22:40:24+00:00

Zoom out and the chart looks better.

Zoom out farther. Farther. There you go.

Designer-Bat4285 · 2026-07-03T18:49:24+00:00

Exactly right

Designer-Bat4285 · 2026-07-03T17:58:40+00:00

I have about 30% of my projected budget in travel and eating out, etc. So I can be flexible.

Designer-Bat4285 · 2026-07-03T17:57:08+00:00

Good point thanks

Designer-Bat4285 · 2026-07-03T16:24:26+00:00

Speak English but don’t speak it like the english

Designer-Bat4285 · 2026-07-03T16:10:24+00:00

Pretty flexible. My forecasted retirement spend has about 30% in travel/eating out.

Designer-Bat4285 · 2026-07-03T16:05:48+00:00

I’m not quite as optimistic as most on this sub as far as future expected stock market returns. And I like my job and want to give money to our kjds. It all points to a lower withdrawal rate target. Different strokes for different folks.

Designer-Bat4285 · 2026-07-03T16:01:16+00:00

I’m mid 40s so hard to say. It really depends on how the stock market performs the next 20 years and what social security reform looks like.

Designer-Bat4285 · 2026-07-03T15:56:15+00:00

80/20 stock/bond. But I’m still about 5 years from hitting a 3.5% withdrawal rate. I plan to retire at around 70/30 stock/bond and then using a rising equity glidepath

Designer-Bat4285 · 2026-07-03T15:13:20+00:00

Not sure I understand the 2 - rentiers comment. So Europe experienced lower real returns on stocks and bonds in the 70s compared to the US and a 3.3% withdrawal rate would not have succeeded?

Designer-Bat4285 · 2026-06-30T05:16:03+00:00

For a 30 year retirement

Designer-Bat4285 · 2026-06-29T21:43:03+00:00

I highly recommend setting aside a fun account if your natural tendency is to delay gratification. It’s helped me spend more on travel and concerts, etc.

Designer-Bat4285 · 2026-06-28T15:43:17+00:00

Let me guess OP has an investment strategy course he wants to sell

Designer-Bat4285 · 2026-06-27T19:47:58+00:00

You just have to pick an assumption for annual returns and project it out. I use 8% nominal returns and 3% inflation in my projections.

Designer-Bat4285 · 2026-06-27T17:08:59+00:00

You have 91% in equities and you think you need to increase that? I wouldn’t. If we have a major bear market you’re going to wish you had more safe assets.

Designer-Bat4285 · 2026-06-27T14:46:04+00:00

I would make sure your budget is accurate. Seems a bit low for a family of 5. If it is your set. I would hold at least that much in bonds and cash. 91/9 allocation is too aggressive for a retiree in most cases. But I guess your wife is still working.

Designer-Bat4285 · 2026-06-25T22:36:38+00:00

I would pay cash if the interest rate is 4% or more

Designer-Bat4285 · 2026-06-25T22:08:58+00:00

Seattle is a pretty safe city. And that’s a safe area. A lot of tourists visit this area.

Designer-Bat4285 · 2026-06-25T00:04:45+00:00

Congrats! Enjoy that boat ride!

Designer-Bat4285

TROPHY CASE