audreyh1
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Maybe in the 2.75% or so range. Not nearly as low as 2%.I wonder if Audrey calculated her SWR with all her cash buckets, etc. if she would have a very low SWR. It sounds like she has a more fixed expenditure than her withdrawal method allows. I think most of us would tighten our belt somewhat in a major down market leading to the same results.
I have much less fixed expenditure than my withdrawal method supports. We still tend to underspend our withdrawal by quite a bit which implies that even with a pretty bad down year we might still have enough. Income taxes vary quite a bit which makes it tricky, but taxes tend to drop quite a bit after down years which means more of the withdrawal is available for living expenses under the bad market scenarios.