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For those of you who have had to withdraw the 4 percent or so how are your accounts holding up? And how do you have the funds allocated.

After adjusting for inflation, my withdrawal rate for most of this year has been 4.59%. I too have a ladder, but found some high earning cds and a good part of my ladder is in bonds earning over 6%. I have about 60% in stocks. My portfolio too would have been lower than last year. I wouldn't have been too worried about that though--last year my accounts increased even though I was making withdrawals. The Firecalc says that this WR is 95% safe. However, I have now returned to work. So I've stopped withdrawals and started adding to my retirement accounts again.
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