Variation on 25 times expenses question.

[audreyh1]

Dennis seems to be having troubles with the most important part of retirement... do it now or you may not be able to later... there is a lot of paralysis thru analysis on this board... one can over think every situation... as for me I think I have enought to retire next year and if I mis-figured or don't because of an unforeseen circumstance... I will deal with it - if and when the time comes...

I think he just forgot that these safe withdrawal rate portfolio models are designed to handle inflation over the long time periods. So you don't have to expect to apply any Rule of 72 or whatever.

Now, if you think your personal inflation rate will be twice the CPI in your future, you do have some future challenges.

But still, sub-3% withdrawal rates are extremely conservative.

Audrey