ERD50
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
... So, not only would I not ratchet up my SWR five plus years into this bull market but I might even go back a few years and use that portfolio value to calculate my SWR. Clearly, everyone here disagrees. ....
You are creating a straw-man argument. Stating that 'everybody disagrees' simply isn't true and it doesn't make you some sort of misunderstood martyr.
Many people choose to be more conservative than a straight historical run indicates. Because we can't predict the future.
But that is different than interpreting the historical results. You absolutely can ratchet up on the market peaks and maintain 100% success within that reported data. It is a fact. Whether you choose to do so is separate from that, and many won't increase their spending (I won't say 'all' or 'none').
... I do wish the discussion was more civil. ...
The only less than civil comment I see here was from you: You are so he'll bent on starting a fight...
-ERD50