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I am *not* retired yet (just a FIRE wannabe!), but I am aiming to FIRE within the next 10 years when I'll be in my early-mid 40's. My plan is to have enough investments to only extract 3.5% or so per annum inflation adjusted for the following years. The one big hazard to my plan is healthcare. Since I don't have a crystal ball, I'll just have to wait and see how it all plays out and adjust my plan accordingly.
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