Salaryguru,
I agree . . . LBYM is the safest, surest route to ER. My investment skills are horrific, but my wife and I are wizards at LBYM. Because of LBYM, my wife and I are about 2 years shy of the $1M nestegg we figure we need for FIRE. For the past 6 years we've been saving 50 - 75% of our salaries. Half of it is tucked away in EE and I-Bonds (as I said, my investment skills are pathetic). However, LBYM has "saved our bacon." I just hope that between now and the time we pull the plug I learn enough about investing to make the nestegg last.
RH