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I prefer the good sense of gummy:

consider a different scenario where we decide upon some Minimum annual withdrawal rate ... just enough to pay the bills (and live on bread and water) ...then only withdraw beyond that if the market is good to us.

http://www.gummy-stuff.org/sensible_withdrawals.htm

I am shooting for a little better than bread and water, but my lifestyle includes a number of expenses that I can take or leave (or at least control the costs) like vacation travel and entertainment.

Regards,
Prometheuss


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