We have not started drawing from our portfolio as of yet. Blessed to have more than enough rental come, COLA'd pension, etc to more than cover all our spending needs and most wants. I have been thinking though why did I overshoot so much? I ERd at 45 and 5 yrs later I have no plan to spend any of it. So I have been working on trying to figure out how to spend some of the funds in a way that adds value to our life.
In my research I ran across this youtube video and downloaded the article he is talking about. This might be beneficial to some. Most of us plan for the worse case and for me this kind of helps put things in perspective. He does a good job trying to poke holes in his thinking. He talks about the 4% rule but I can't even get to 1% mentally. :face palm:
JDARNELL
https://medium.com/@justusjp/misunderstanding-sequence-of-returns-risk-9f49d601a018
In my research I ran across this youtube video and downloaded the article he is talking about. This might be beneficial to some. Most of us plan for the worse case and for me this kind of helps put things in perspective. He does a good job trying to poke holes in his thinking. He talks about the 4% rule but I can't even get to 1% mentally. :face palm:
JDARNELL
https://medium.com/@justusjp/misunderstanding-sequence-of-returns-risk-9f49d601a018