What is your Withdrawal Rate for the Year

Since we had to pay for a 2025 trip to Croatia in early December, our withdrawal rate ended up slightly under 5%. For purposes of our financial management, I'll assign the amount over our planned 4.5% to our 2025 number.

My first Social Security payment will arrive in late April, so I'm not too concerned about it. Our planned monthly draw after that is 2.5 to 3%.
 
My withdrawal rate is 6.2% and will be for the next few years until we draw SS. At that time we will lower it to between 3% and 4%.
 
VPW recommendation for lowest amount, ie, the assumption that you lost 50% of your stock portfolio.....just agog that the pensions and cash buffer are covering everything in retirement.....a bit miffed I 'worried' about finances during retirement when working. ReWahoo predicted it....should listen to my elders more ;-) What I do take out/withdraw is for travel and final house updates.....
 
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