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If you're not trying to find better analysis than what intercst has done, why would you post 40+ times in the last day?Every post I have put up has been a response to a question or comment of a community member. I have other things to do, and I would appreciate it if people would stop talking about this so that I could get to those other things. Having been responsible for starting this thing, I think I have an obligation to respond to genuine questions and comments that arise from it.I'd request that you clarify exactly what you're trying to do hereI'm trying to have a discussion about early retirement on a discussion board about early retirement, Galagan. People who are reading more into it than that are making a mistake. I know what I am trying to do better than anyone else possibly could, and that is what I am trying to do.If you are curious about why things are so confused, you might want to look at the "We've Found the Data!" post. I explain there that I was studying the question of safe withdrawal rates years before I ever heard the names intercst or Bernstein.I have zero desire to find fault with the intercst study. If he didn't bring it up in every thread in which I discuss SWRs, I wouldn't need to. But he brings it up as if it addresses every aspect of the SWR question, and it doesn't. So, to make my points, I am forced to explain why the things he says about the study are not so. I am not being left any choice in this matter.If you doubt my word on this, I can point you to a bunch of posts in the transcript in which I say that the intercst study became a valuable analytical tool for me when I discovered it. I recommended that readers of my Soapbox report buy the study and make use of it. I suspect that people got this idea that I have something against the study from reading some of the nonsense posts that have been put up during this thing. Widespread confusion is the natural result of disruptive posting.I do not believe that the intercst study factors in everything affecting the safe withdrawal rate. But then how could it? Much of the data needed to do that is not even publicly available. If I asked intercst to address every aspect of the question, I would be asking the impossible of him. That's what some people are asking of me when they demand that I answer every last question before a discussion can even begin.
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