No. of Recommendations: 3
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

I'm surprized Intercst didn't mention the Pay Out Period Reset Method.

From his website:
Safe Withdrawal Rates - The Pay Out Period Reset (POPR) Method.
Some good news if your plan is to spend it all (or at least as much as possible) while you're still alive.

You still have the problem of estimating how long you might need the money for. But you get to spend more of the excess.

The Charitable annuity might have the problem that you estimate 20 years of life left and then live 25 years.

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