DEC-1982
Full time employment: Posting here.
But the 4% rule is 4% the first year and is assumed to increase with inflation each year, right, and that's based on the initial value of the nest egg without yearly re-evaluations? Or did I read the Trinity Study all wrong?
Has a strict perpetual 4% rule been tested? Because my spending isn't anything near what COLA increases say they should be, and that's going back through 12 years of tracking finances.
This article (link below) seems to indicate that the Perpetual Withdrawal Rate (PWR) is around 3.5%, although I have read other articles which say it is around 3%.
https://portfoliocharts.com/2016/12...al-rates-are-the-runway-to-a-long-retirement/