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No. of Recommendations: 5
Too complex.
Ignores inflation.
Using 2 factional digits of calculations is a sure sign of over-tuning. (87.94%, 75.20%, 3.54%, 1.06%)

The problem with using a certain percentage of current portfolio value means that your withdrawal for living expenses can swing wildly up and down, depending if you are in a bull or bear market.

It's not like this idea of flexible safe withdrawal strategy hasn't been studied a lot.

... flexible rule would maximize spending ...

I think that people generally prefer more-or-less constant spending to "maximum spending" that jumps up and down from one year to the next.

... scipy.optimize L-BFGS-B, Optuna, Hyperopt, Platypus, Nevergrad, Gradient-free optimization ...

Give me a break!
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