Percentages of highest working income
My capital gains distributions are re-invested to combat inflation. I regard my dividends as fair game for spending, however.
INCOME: My point of view is that income from my portfolio only includes dividends and interest. YMMV and that is perfectly fine, but I calculate income from my portfolio as solely the sum of dividends plus interest.
So, retirement income expressed as percentages of my highest earning year while working are as follows:
35% Portfolio income (dividends + interest)
16% Social Security
10% Tiny FERS pension
61% TOTAL RETIREMENT INCOME
SPENDING:
When I was working, I spent around 25%, give or take a few percent.
In retirement, so far I have spent 27% - 51%, depending on the year.
Like so many others, after a financially catastrophic divorce I had to put LBYM into overdrive in order to retire at all. So, during my highest earning years my retirement savings greatly exceeded my spending. Now, I have more to spend than when I was working, and that's a very nice position to be in.