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I retired at age 35 - 5 years ago so I have a little insight.
First it appears you are pretty thin on the taxable accounts for your early retirement. I would want quite a bit more there.
Second I would reduce the 4% withdrawal rate to no more than 3.5% at age 45-50 because of longer longevity and possible lower returns than history suggests. To have your portfolio just stay even assuming a 3% inflation rate you must make 6.5%.
If you start withdrawing from your 401k you are going to have to take those substantially equal distributions under rule 72(t).
If I were you I would plan more based on your taxable assets
650k x .035= $22750/year total withdrawal
Or if you really want to push things include your retirement plan
1500k x .035= $52500/year
I think 70k is too much here is 650k increased for 3% inflation annuitized 3% real yield. Without tapping retirement assets you run risk of running out of taxable assets in 10 years
Year / Balance / Withdrawal Amount age
1 $669,500 70000
2 $615,322 72100
3 $557,291 74263
4 $495,224 76490.89
5 $428,931 78785.62
6 $358,216 81149.19
7 $282,871 83583.66
8 $202,683 86091.17
9 $117,430 88673.91
10 $26,878 91334.12
11 -$69,212 94074.15
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