@plank2505 - you state assumptions that seem to be false when you say people are bragging about low withdrawal rates... This crowd tends to be data/math oriented.... Which is why the first several pages of this thread contain discussions of methodology
You also fail to consider that many (me included) planned a more frugal retirement... But market gains have changed the denominator.... If your nest egg grows, you can spend more **AND** have a lower withdrawal rate.
Folks on this forum range in budget from Super Skinny FIRE to Hefty Fat FIRE. No one size fits all.
Perhaps you should explore the board a bit more before making blanket statements that are argumentative. But ... You do you.
You also fail to consider that many (me included) planned a more frugal retirement... But market gains have changed the denominator.... If your nest egg grows, you can spend more **AND** have a lower withdrawal rate.
Folks on this forum range in budget from Super Skinny FIRE to Hefty Fat FIRE. No one size fits all.
Perhaps you should explore the board a bit more before making blanket statements that are argumentative. But ... You do you.