So it's taken me a number of years, but I have bought into the philosophy of if you have won the game, why keep playing. Over the last few years I have ratcheted down my AA to 60/40 with a tentative plan to shut down the income machine at the end of this year at age 55. In my case, I will be 100% dependent upon my assets to generate my RE income. The calculators all say I am good and while I am planning on Fat Fire, a significant amount of my planned annual spend/withdrawal is pure discretionary. Like many, this long bull market has me somewhat concerned that I might launch at the beginning of a downturn, but who knows, right. At the same time, if I want to conservatively plan for a 40 yr RE, is adjusting my AA to 50/50 at the end of this year too conservative to overcome inflation risks? My initial plan was to more or less stay at 60/40 until further notice, but does that 10% tweak in AA move the needle enough one way or another at the end of the day? Curious as to how those of you who are 100% dependent on your assets have adjusted your AAs with a longer horizon?