No. of Recommendations: 1
After the initial 4% withdrawal (actually Bengen has revised to 4.5%), when you start calculating the inflation-adjusted ones, is the multiplier the "percent change from 12 months ago" from the BLS CPI-U:

https://www.bls.gov/regions/mid-atlantic/data/consumerpricei...

For instance, if you're taking one yearly withdrawal each January 1st, then for January 2019 you would've used 1.9% (the December 2018 YoY change).

Or if you're taking one yearl withdrawals each July 1st, then for July 2018 you would've used 2.9% (June 2018 YoY change).

Curious how people use the numbers.
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