I'm trying to figure out SWR rate % that gives you 100% in Firecalc over a 45 yr time horizon, assuming you have a 30-yr mortgage, so non-inflation adjusted spend, that accounts for 11% of your withdrawal.
Note that I'm using 65% equity and 0.12 rate on index funds, though looking at firecalc would suggest I need to double check that. I thought we were lower than 0.12 for most of our accounts.
I *think* when you bundle the mortgage into overall spend, a 3.28% withdrawal rate gets you to 100%.
But if you breakout the mortgage, and account for the fact that it's spend not subject to inflation, you end up with a 3.5% initial withdrawal rate.
(and I know practically these differences are probably meaningless, but I think we just hit 100%, so I want the milestone!)
Note that I'm using 65% equity and 0.12 rate on index funds, though looking at firecalc would suggest I need to double check that. I thought we were lower than 0.12 for most of our accounts.
I *think* when you bundle the mortgage into overall spend, a 3.28% withdrawal rate gets you to 100%.
But if you breakout the mortgage, and account for the fact that it's spend not subject to inflation, you end up with a 3.5% initial withdrawal rate.
(and I know practically these differences are probably meaningless, but I think we just hit 100%, so I want the milestone!)