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Living on the 4% draw would be livable but a little thinner than I want, until I start drawing social security, at which point I should be fine and dandy, even if I started with the lowest monthly amount at age 62.

How about this:
Your total assets are divided into Amount #1 and Amount #2.
Amount #1: You take 4% of that amount starting when you retire.
Amount #2: The total amount of money you need between now and when you take social security to cover the difference between 4% of amount 1. So, Amount #1 is your ongoing portfolio, and Amount #2 is essentially the equivalent of SS times however long you *aren't* taking SS. You can either assume Amount #2 grows at zero percent, or model it as a CD ladder, but it should probably be "no risk" since you need it imminently.

If you really get fancy, you can model the amount needed at retirement depending on changing:
-Retirement age
-When you take social security
Of course, you would model what age you live to, so there's bound to be some error. But, I'm more worried about running out of money than maximizing what SS pays me.

I'm doing something like that to model retirement at age 61:
61-65: Includes High cost health insurance
65-67: Includes Medicare
67: Includes Medicare plus social security
68+: Includes Medicare plus social security plus spouse's SS

So, I need a significant portion of "no risk" money at age 61.
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