Your 'go to' Spending Model in Firecalc?

[ERD50]

Thanks for the replies on the lumpy expenses so far. Follow up question - do you go ahead and withdraw that extra amount and put it in "savings" until you need to spend it?

Why would anyone do that?

The WR is for understanding where you are long term. It isn't some commitment to that exact number. If your spending was lower than that one year, and you have what you need/want, that's great. Let it roll forward - you may have some need/want in the future, so it can average out.

You are invested for a reason - you expect growth. If you don't expect that, take it all out and put it in cash!

Don't be so literal! Relax!

-ERD50