Subject: Re: Most real life retirees don't take 4%
Withdrawal rate year one was 2%. I'm trying to convince my wife for us to spend more...

Do what I recommended to my neighbor.

Book a cruise and tell her "The tickets were for a balcony cabin, same price for 1 person as for 2 people, and it is non-refundable."

Alaska is a good first cruise, so is Hawaii.


We started off with an end-of-season Alaska cruise in the year where the market was very very good to me.

We stopped after 50 cruises, since we'd been everywhere we wanted to see.