No. of Recommendations: 1
I think if your rate of return is greater than 8%, i.e., double that 4%, you need not worry about inflation.

But to me, your question implies a calculation to three decimal places on just how much you can spend. If in doubt, it is far better to spend less than that 4% and have some margin for the unexpected.

Retirement based on high precision calculations is likely to be stressful. That 4% (or 25x living expenses) is the minimum you can consider retiring on.

Reserves over the minimum provide some peace of mind.
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