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>> Somehow this message keeps getting lost as people drift to other places. But the only point I was trying to make is that JWR's methods clearly overestimate the safe withdrawal rate (both because of the above issue and because of his low and simplistic inflation assumptions) and, therefore, his numbers are bogus. <<

I think that's true, yes. I'm just saying it's not the only reason. For one reason or another, if you fall that short, you booched the planning. In this particular case it would be because someone assumes they can safely take out more than 4% per year in perpetuity.

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