No. of Recommendations: 0
BethCarter Date: 4/20/99 3:25 PM Number: 10052
I like the idea of the 3-year averaged cash flow.

Keep us posted on how it works out - I'm still a few years away from trying it myself.

3% withdrawals per year. For my portfolio, that amount is way more than our average annual expenses have been for the last 3 years, so that feels safe.

You don't won't to successfully accumulate the wealth, and then fail to enjoy any of the fruit of you labor. To me, it feels like a moral obligation to yourself to spend 2-3% every year. If you can't do it any other way, become the community philanthropist. Remember that on average you will be growing 10-11% per year in stocks, so this is a not a serious threat to your continued wellbeing.

the other threads you refer to, I can't find them

I found this site very difficult to navigate when I was new, too. It's still poorly designed, but I've learned where things are with time. To find the thread for you, I went to the board "Investors Roundtable/Foolish Workshop." At the bottom of a message, I hit the "search" button. I checked "just this board", and in subject put "as we know it" It came up with 28 messages. I clicked on the first one listed (#22978). Then I clicked on the "Foolish Workshop" part of the board name. Then I clicked on "Threaded." Then I clicked on "Prev." That page was all from this thread, so I clicked on "Prev" again. From there I learned the first message in the thread is #22747. And here is the URL that should bring this up in threaded form.
Just click on "next" to step through the thread.

Someplace in the thread you will come to the retirement planner reference. This has been a recurrent theme in the places I have seen this discussed, so I would use the URL or perhaps the names associated with this for another search to find other places it has been discussed, and track down those threads in the same way.
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