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Generally I keep within that the 4% limit, but have never considered it a real limit.

I did my own spreadsheet where the major inputs are Net worth, Income, ROI, Inflation, Estate and lifespan. In lifespan I break down three phases: active retirement, inactive retirement and finally sat drooling in a nursing home somewhere. My calculations allow for the draw down of non liquid assets, such as property, as needed.

In that active retirement phase ow. Was doing a lot of travel until COVID shut things down. But COVID taught me one valuable lesson. The wife will spend more when cooped up than when on unlimited free range. On line shopping has a lot to answer for. Need to adjust my spread sheet
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