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If my memory is correct, wasn't the 1966 retirement date a bigger problem than a 1929 retirement date? Inflation caused more portfolio stress than the big crash?


Yes, a 1966 start is slightly worse than 1929 if you use Jan 1st start dates. I did a month-by-month study that showed a Sept 1929 start date was the worst possible time to retire. But we're talking about a few hundredths of a percent difference -- lost in the round-off.

See the chart: "100% Safe" Withdrawal Rate - Different Starting Months at this link:

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