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Wayne asks:

<<Have you had a chance to review my Post 13310?>>

Yes, but I didn't really see a difference in the question from the original. Post 13310 said:

<<Probably the better question should have been:Assuming a 1 million investment and a 35 year time period what would be a good burn rate leaving only about 50K at the end?What rate of return,inflation rate,etc is being used to arrive at this pre tax figure?How much(%) should be taken off the top for 1-5 years of expenses?>>

The investment return and inflation rate assumptions are up to you. The only twist was your query as to the amount that should be in your cash stash for up to five years' worth of expenses, and again that's up to you. You know your situation better than we do. For an approach to the problem, take a look at the Retiree Portfolio series of messages (23 in total) starting at number 223 on this board at They will give you some idea of the issues involved and help you develop both your assumptions and questions. Pay particular attention to the "Retired Ralph Redux" postings.

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