No. of Recommendations: 0
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?"

Simple. Figure it on a year basis, and take the AVERAGE of the monthly spending........

Some years your a/c craps out. Another year your roof needs replacing. Another year your re
fridge dies or your car needs new tires and a $800 repair.

Figure in car depreciation each year if you don't have car payments because sooner or later you'll need a new car.......and some year, you'll fork out cash for a new car or take on car payments.

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