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Curious if anyone has gone over the 4% SWR, or if anyone has early retired, without the sainted 100% Firecalc result?

Here is a graph showing what the 30-year Safe Withdrawal Rate *would have been* over the last century.

A lucky few would have been at 12%, although if they knew anything about SWR way back then, they'd have stayed at 4% for several years, then noticed that they had way more than they started with and possibly reset the amount. I see that only at one point does the line get close to 4%, but of course, if that's when you retired it's the hand you were dealt. I also see that the asset allocation isn't what we normally use for SWR discussions on this board.

I retired last year at age 60, and will probably be taking Social Security at age 70. So, I don't really have a constant income need. For five years, I need enough extra to cover my own health insurance. Then, at 65 I'll be on Medicare so I'll need less for health insurance (although I'll need Medigap), then at 70 I'll need much less from my own portfolio thanks to SS. I understand that people travel a lot more in their early 60s than in their 70s, so there's another extra amount I'll probably need sooner but not as much later.
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