Recent content by eukrate

intercst /TH - Can you provide an overview or summary of *****' concerns over SWR calculations? I've used dory36 calc - impressive - but this "*****" seems to believe these are somehow invalid. I know he's been discredited in places, but not knowing the history it's hard to tell if there's...

GDH you're right. The essential difficulty is with SWR estimation itself: it collapses decades of data into a single value with,hopefully, some predictive value. The problem is that the historical data has to include not only the variations that you are experiencing with you begin withdrawals...

You can try Gummy's sensible withdrawal method http://www.gummy-stuff.org/sensible_withdrawals.htm He investigates withdrawing a fixed percentage, less than the 4% SWR, and adding to it some large percentage of the 'excess' each year. This way you get more money earlier, assuming the market...

Costs are low until college hits. I've got 2 in public univs now one is $12000/yr , other is $21000/yr. They work summers to help but thats only $4000. Two more years of this. Just prepare for 4 yrs of major pain. Later come the weddings???