Yeah, the patient is either starting, or able to meet 100%
of their living expenses through a comb of pension, ssa annuities and other guaranteed, or I suppose might get free room and board, etc. In any case, the "Rule" cited by Money and other isn't really directed at this small group..most of us will need at least some income beyond
ssa/pension/annuities and other guaranteed...

...some expenses that we must cover with our nest egg..that's true for most retirees. And the advice not just by CNNmnoney but others is the 20 to 25 range for what the ratio should be of networth divided by one's annual income needs..as I said I'm wondering how people fared who heeded those numbers, and how people are faring who didn't heed them (in your case Hedge it looks like you're not heeding it but can say that so far you're doing ok..)

Still (naiively?) hopin' for a few more data points :-)

Imag