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No, I only had to cut spending by $4,000 because I have a pension which has a COLA plus I had $5000 left over from the previous year .
OK, gotcha and that makes sense. Having a significant portion of your retirement income based on pensions, SS, etc., would take much of the pain out of going to a fixed percentage withdrawal algorithm based on the current year's portfolio value.
I thought that was probably your case but wanted to clarify for Midpack ref his question above.