Safe Withdrawal Rate banter is making me w*rk

[gcgang]

What are the odds you're going to live another 30+ years?

I'm turning 63 next month. I'll be happy if I have 20 good years, then I'll just need enough to cover my wheelchair and drool cup.

[foxfirev5]

Prior to retirement I was carefully calculating a SWR for my retirement. After retirement I'm settling into a live on the distribution type plan which suits my simple mind. This fits well with my family history and has worked for generations not just a few years.

[LuckyDog]

I am currently a little less than 40% in stocks and up almost 4% this year, so for me this is not a flat market.

If you want peace of mind, why not get some income guarantees?

[Cobra9777]

I pay little attention to WRs. For us, it changes all the time based on our projected profile of spending and the start timing of various income streams. I have a spreadsheet with all the expected inflows and their specific timing. Also have a very detailed bottoms-up projection of spending. Layer on a few assumptions about inflation, rate of return, etc. Then stress-test it against actual history using FIRECalc, RIP, etc. If it says you're good to go, then go. If not, keep working.