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I hope he's wrong Alaska55. Tresidder makes the point historical data based on US market may be overly optimistic. Our national debt is astronomical, other countries leading in manufacturing and catching up in education, etc. I should say, we all hope Tresidder's pessimism is wrong. But my...

Congratulations mrftexas! Have a happy retirement.

I came across a very short, intelligent book called "The 4% Rule and Safe Withdrawal Rates In Retirement by Todd R. Tresidder". It convinced me that 4% rule may not work in the future. I'm hoping to retire next year, counting on 2%, to be very conservative. I've read several books on retirement...