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When you look at these studies, the real killer is not the percentage that you take out, but adjusting for inflation.

I retired 1 year ago and ended up taking out 5.6% my 1st year. I do not plan to ever adjust for inflation.

Well, 5.6% is too high, so maybe you have already built in a "pre-adjustment" for inflation.

The Guyton-Klinger rules put guardrails around your inflation adjustment. The Capital Preservation Rule kicks in if your adjustment would have you taking out too much. And the Prosperity Rule bumps it up if you are taking too little.
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