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There were a few posts that actually took the FF returns on a per year basis and tested a few different percentages. It seems that a 5% (Rule of Twenty) draw, adjusted every year for inflation, allowed the stash to last forever, even through market downturns.

Another variation is to keep 3-5 years worth of expenses in money-market/bond funds. In the years following a market downturn, you spend the cash. In the years following an upturn, you replenish the cash with your gains.

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