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thanks for the insight. Sorry, didn't expect you to use actual dollars in your response.

but see you are doing what we are planning to do with regard to padding the "budgetary needs". And in using the padded budget, yes it will require a bit more to be accumulated before fully retiring, but it also adds a margin of error. I know some swear by the 4% SWR, but not me. Its a good guide, but since we are pulling the plug early and like you say, plan on living many years beyond the nominal 30, there is just too much room for hiccups that can turn a minimal plan into failure.

again, thanks for the insights. Wish you luck and longevity.

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