<<<ZBar's last paragraph is saying, effectively, live off the growth and dividends. That's fine, except most people are not that wealthy.>>>Wealthy or poor, it has no bearing on whether a fixed amount or a percentage is advisable. If your nest egg is small, you'll have to make due with either a small fixed amount or a percentage that nets a small amount.On the other hand, someone with a smaller amount saved is more likely to be forced to consider a fixed amount or percentage that will end up depleting capital if the income just doesn't pay the bills.
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