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<<Just to add a bit more accuracy for those who want to use such a calculation, the withdrawal rate may be significantly higher than 4% to cover a mortgage payment which ends in N years. (if N is 10, then it is something like 7% or so, for N of 30, it is closer to 4%) >>

Not sure I follow; could you amplify?

The 4% "safe" withdrawal percentage is calculated using a "payout period" of 30 or 40 years. Since the payout period of a typical mortgage which has been held for a while is less than 30 years, then the "safe" withdrawal rate is higher.
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