Hi all – relatively new to thinking in depth about safe withdrawal rates and have read a fair amount on this and on other MF boards about the topic – one thing I never see addressed is how to factor in the die approaching poor factor…in other words – if x% withdrawal rate gives me x% chance of outlasting my money….doesn't that mean if I use x% as my SWR that I'm likely to die with a hefty amount on the table? What if I wanna leave little to nothing – no kids and have set aside enough to take care of the kitties separately --- leaving it all to charity but not really interested in protecting principal so my charity gets a big chunk….any suggestion on how to factor this selfish attitude into one's planning? Tom
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