No. of Recommendations: 8
My issue is, the 4% SWR is supposed to cover my monthly expenses (not covered by SS, etc.)
No it is not.

4% SWR is how much you can safely withdraw from your portfolio.

Your monthly expenses are an entirely separate and distinct matter.

The one has nothing to do with the other.

Pettifogging It is obvious he means that his expenses need to be met by the 4%. Yes, That's what the whole 4% thing is about. You are being lawyerly.
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