This site is full of intelligent, insightful people who help me stay on the path to ER, but I definitely think there is a little too much fear and this article is consistent with that. People are on here all the time saying, "I've got 3 million plus a pension and my house is paid off, I'm 65, I think I need to work another 5 years, thoughts?"
Our plan is riskier than most here, I think the 4% rule blinds people to the fact that they'll reduce expenses in bad years. ...
In our case, we plan for very flexible spending that will allow us to handle reasonable worst case scenarios. But, we've done Several More Years.... We appear to be out of the ordinary on this forum in that we want our discretionary spending in early retirement to exceed our present after-tax, total spending. Maybe a desire to cash in on all the deferred gratification from our respective work schedules.... Plus DW is not a fan of hostels, coach seating, or staying in tents.