No. of Recommendations: 1
rrosenkoetter writes,

So you still run out of money after 20 years... And note it's just a straight $16k every year.

No increase for inflation in this model.

Actually there was DEFLATION during the Great Depression from 1929-1933 when consumer prices dropped by 25%. The CPI didn't return to the 1929 level until 1943. If you take the deflation into account a 4% withdrawal survives for 30 years.

I wasn't able to easily find historical data on the S&P 500 going back to 1928..
Did it exist back then??

Here's the S&P500 index all the way back to 1871 -- 135 years of data. It was compiled by Yale Univ. Professor Robert Shiller.

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