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Hi Soui,

Enjoyed your work and got to thinking. It seems that your analysis indicates that on the average, the racey scheme piles up a pretty large "ending balance". A good deal for Uncle Sam, but not so good for me. I'd be interested in a scheme that lets me enjoy as much of my money as possible without significantly decreasing the odds of running out of money. Maybe an adjustment to the withdrawal % based on the gain for the year? A question: do you have to make negative adjustments in bad years or is it enough to just make no adjustment in those years.

Also--I love and use F4 methodology, but the recent changes to the Dow Stocks make me nervous about its approach. The new stocks have no dividends (so far) and that in effect reduces the choices for F4 stocks.

Good luck,
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