No. of Recommendations: 1
...the safe withdrawal ratio could end up being much less if a bunch of factors come together

Certainly, the past does not predict the future. Nuclear bombs could simultaneously go off in New York, LA and Chicago causing a market crash that would wipe out all of your savings.

OTOH, the more likely scenario is that the markets continue in some fashion similar to the last 140 years in which case there's a 90+% chance that you can not worry about work.

The only truly safe withdrawal rate would be to work until you die :)

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