+1. I wish to have a lot of discretionary spending the first couple of years while I'm (hopefully) still healthier. I plan on 5-6% SWR first year but will not automatically adjust annual withdrawals for inflation. I'll just let inflation eat up the discretionary budget if the market's not doing too well.My plan is to do the opposite. Get more out in the first two years. Then decrease by half.
Mind, if everything goes according to plan, I will have a COLA pension that will cover >100% of essential living expenses so pretty much all my retirement savings will be available for discretionary spending (bar a certain amount earmarked for LTC).