A pretty interesting read and I have no desire to argue the results although I'd change the portfolio allocations and tweak the rules.
What all of this amounts to is an example of squeezing out a few (or more) drops out of the orange that we thought had given its all.
Nothing wrong with that.
As I muddled through myriad rules I decided that not 1 in 10 retirees is going to go through all of that for 30 - 40 years.
BINGO! *I'll get a financial planner to handle it for me, but alas, by doing so I see my additional withdrawals going up in smoke causing more to actually be less perhaps. *