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... you are not guaranteed to have your money grow to account for inflation on the SWR.


Seems like every post I've read detailing the SWR 4% doohickee has mentioned that you DO adjust withdrawals upward at the inflation rate (not necessarily 3%, but what the actual rate every year). This seems to make it seem a lot better than 6.4% with no inflation adjustment (assuming you live for 10 or more years after retirement). Am I wrong here?

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