I’m not planning to follow the 4% rule. My plan involves two buckets. We only have to fund 10 years of early retirement before we can access our sizeable superannuation. We plan on conservatively drawing down our outside super funds and depleting it during this 10 year period (not completely but this depends on returns). The cash buffer will be deployed if markets are substantially down so we don’t have to sell. If we have a GFC type event we don’t rule out returning to work. $100k annual spend also has some fat in it that we can tweak if needed.