+1 In this hunkered down pandemic year, it looks like we will withdraw about 1%. We are looking forward to flying business class for international bike trips if we can ever get back to that.
Hell, we just booked British First class to Barcelona next Sept. Flying First Class to Houston the end of this month to see friends for dinner. We will likely never need to withdraw from our retirement accounts, and feel very fortunate....
My DW started riding horses/showing again its our main source of spending now. Lots of folks willing to take your money in that sport. Being stuck at home created a lot of depression for her. Our portfolio provides a great assurance we will be OK, but a greater risk for us is not inflation, it is the potential loss of the TCJA, taxing our installment gains we built for retirement.