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The "4% Rule" is at best a wag and at worst a grand mistake. It is most useful as a general target with lots and lots of assumptions.For those spending down savings, the more useful cash flow projections model with age-adjusted consumption rates is a better model, but its just difficult for most households to use.That's one of the reasons we went with a pure income model, where time and energy are spent on screening and selecting dividend paying stocks rather than timing rebalancing to generate needed cash flow.BruceM
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