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Radman get yourself to and pay $5.00 to download Vol#1 "How Much Can You Withdraw From Your Portfolio?"

It says essentially you can withdraw 4% and increase the amount every year for inflation (here you have to read the fine print about inflation measures) and have essentially zero chance of runing out of money.

Now that 4% number sort of depends on how long you plan to live. If you are talking over 40 years you may have to cut back to 3.5 or 3.6% --but you say you have $4 million ( your and hers) -- 3.5% of that is $140,000 a year - and you get an inflation adjustment.

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