To clarify...4% has nothing to do with withdrawal rate.I've tallied up all my expenses. Needs, wants, luxuries, whatever.Anything from housing expenses, to health expenses, to clothes, right down to going out for pizza. I've come up with a monthly and yearly dollar figure.So I take my savings. And I figure out how much money I need to generate, pre-tax...in order to live at the forecasted lifestyle.After inflation, I need to earn 4% return.Thanks, Cb
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