I agree with all of your comments and analysis. It is clearly too late to begin thinking about the problem. The earlier that a critical issue like this is dealt with, the better. That is the primary reason the RE board exists in the first place!Obviously, there are always special situations like family illnesses that can throw anyone into a tough spot. I also don't mean to be overly critical to someone like this, but when I see a question phrased the way hers was I would bet the farm that they are a new poster. Sure enough this was her second post (and no profile either). This board has been very helpful to me and many others. It does not limit itself to the nuts and bolts of investment issues. Each persons journey to RE is unique. We have many varied opinions and experiences. I enjoy the differences as they add to my education. I also welcome new posters. One bit of advice for them is to read as many threads as possible before they post. They should also give as much detail as possible, so that the answers can be crafted to match their situation. As you clearly demonstrated, an 11% annual withdrawal rate will not provide for a blissful long term retirement. If she gave more details, maybe some advice could have been given relating to the expense side of her problem, reducing the need for such a high withdrawal rate.BRG
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