I started working on my year end numbers and I've been simply taking my expenses divided into my liquid NW as the % of withdrawals and my average has been about 4.3% since ER back in 2002. (This includes 3 new vehicle purchases). I just realized however that I really should take SS and a small non cola pension into account in this calculation. When that is done then it turns out that my actual WR is closer to 2%. Maybe I should start living it up a little - just in time for Christmas! Merry Christmas and Happy New Year to all