I'm still in accumulation stage and as is appropriate, we have approx 12 mo of salary set aside in liquid assets for emergency funds. Now, I'm wondering, when we move to decumulation, do we count the emergency funds in the calcs. 3.5% may be a stretch if I just look at the "portfolio", not so much if I can include the emergency funds.
Seems appropriate to include it, since we're not worried about losing jobs anymore after we declare FIRE.
Seems appropriate to include it, since we're not worried about losing jobs anymore after we declare FIRE.