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No. of Recommendations: 1
No, the solution to Risk 2 is to believe math and statistics. Accept the 4% SWR withdrawal rule and accept that some years are bad and some years are good, but over the long run you do not need to obsess about the volatility and gyrations of the market.

My issue is, the 4% SWR is supposed to cover my monthly expenses (not covered by SS, etc.)

But what are my monthly expenses? The $5K I spent last month? Or the $15K I spent during the same month a year ago when my A/C finally died and I had to get a new one?`
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