padlin00
Recycles dryer sheets
- Joined
- Oct 16, 2010
- Messages
- 113
When I run into posts about SWR rules, be it 4%, 3.3%, or whatever, they do not take into account that some folks have 2 withdrawal rates.
Those retire early live off retirement savings only, the first swr, then once SS kicks in, they have a 2nd swr. In my case I'll be in the "not Safe" 7% WR range till I hit 70, then it drops to "Safe" 2% WR. I've got to think that unless you're well enough off where you have no need for SS or you work till the day you start collecting, you're in the same boat.
I could give SS a present value and add it to my savings, it looks better and I get a single value, but is that kosher? I'd be interested in your thoughts.
Those retire early live off retirement savings only, the first swr, then once SS kicks in, they have a 2nd swr. In my case I'll be in the "not Safe" 7% WR range till I hit 70, then it drops to "Safe" 2% WR. I've got to think that unless you're well enough off where you have no need for SS or you work till the day you start collecting, you're in the same boat.
I could give SS a present value and add it to my savings, it looks better and I get a single value, but is that kosher? I'd be interested in your thoughts.