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I do have a couple of questions about your post actually. When I started this thread it was originally about the ratio during one's first year of retirement.

You indicated that today your expenditures are about 2.5% of your savings, so you have about $40 in savings for every $1 you (annually) spend...I imagine that your investments grew during your 10? or so years in retirement, so wondering what the ratio was that first year, say, when you were 53.5, if you looked at how much your annual spending was for that particular year, as a percentage of your total savings you had then, what was it?

Was it the much-talked-about 4% (that is when you were 53.5 your spending that year was 1/25 of your total savings back then)? Higher? Lower?

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