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I am thinking that 6% is a safe withdrawal rate if you start at the right time of the market cycle.. where this is I am not sure, but probably at the start of a secular bull (where P/E's are at or near historic lows). Then the compounding growth will raise much faster than your equity withdrawals.

Some other thoughts related to this:

- If you own a property outright, one could accept downsizing this property to raise equity in the event of overwithdrawal from the stock equity account. If this is acceptable to one, then a higher withdrawal rate may also be acceptable (you are essentially taking on risk in your living conditions to have a higher rate of withdrawal- or earlier retirement date)

The difference between 4 and 6% is huge. If you are aiming for $40,000 a year it is 1,000,000 vs 660,000.

$30,000 a year is $750,000 vs $500,000

I'd be interested in looking at some of these withdrawal calculators more closely. 6% would put FIRE much much closer.
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