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"Curious if anyone has gone over the 4% SWR, or if anyone has early retired, without the sainted 100% Firecalc result?"

You can probably take 4.3% or so...but your risk level goes up above that.

Just how far above 4% were you thinking? No, you can't take 7% or 8% like Peter Lynch said - before his empire came crashing down in the 1980s.

If you are willing to take less if your portfolio value drops......then you can take 5% of current portfolio value. Of course, if the market drops 30%, so does your income.

There is no free lunch.

t.
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