donheff
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Well, with over 200 books and lots of reputable scientists predicting the end of the world on 12/21/2012 is it time to rethink our withdrawal rates? The optimistic among us (or pessimistic depending on your point of view) could pull 33%/year or higher if you want to front load your spending. The skeptics could go with maybe 20%, just in case.