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Hey Fellow Fools, here is something I'd appreciate comment on. I have noted here, and on the Retiring Early board that all of the experienced fools recommend a 3 to 4 per cent withdrawal rate as the most survivable.

However, my research indicates that such safe rates also lead to under utilization of capital over time, and in fact will (under most circumstances) leave Junior with a much larger estate than you may have intended. It would seem that occasional adjustments under typical market conditions would be in order.

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