With Bill Bengen's AMA on Reddit, it has spawned more discussion on SWR.
In one of the threads, (who knows, could have been on the Boglehead forum), someone mentioned David Zolt.
This is Mr Zolt's lone video
Mr Zolt says 4.5% which Bengen says is an almost bullet proof withdrawal rate, could be higher (much higher percentage wise) and still achieve a 95% success rate after 30 years.
Mr Zolt uses a TAR (Target Adjustment Rate) that is quite simple. Instead of taking a % withdrawal rate including inflation automatically, he proposes this:
If it's a bad year for returns, don't include inflation rate in next year's withdrawal. By doing simply that, the chance of failure is greatly reduced.
It's a fascinating discussion, in which he used over 10,000 different scenarios.
Also, towards the end of the 30 years, when because of inflation--on a $1MM portfolio, and one is now drawing $150,000/year, it seems to me simply readjust one's withdrawal rate.