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Subject:  Re: Is $1 million enough? Date:  5/13/2007  12:57 AM
Author:  DeltaOne81 Number:  57334 of 78166

The safe withdrawal rate means a portfolio will last 30 years with a 100% chance of not running out of money.

Actually, its a portfolio that would have lasted in the past 100% of the time. That doesn't mean that will be the case in the future. There's only about 100 years worth of data, so there's not even 4 completely independent 30 year periods to look at.

to the OP:
You're definitely taking a risk with such a long period and starting off close to the safe withdrawal threshold - before unexpected expenses I gather even? If I were you, I would consider one of two option.

First, maybe work for another 5 years or