Subject: Re: The 4% rule inventor makes some revisions
Anyone here retire in 2000? What did you do?

Not 2000. We retired in late 2006, just in time to walk into the 2008/2009 bear market.
Ended 2008 down -47%.

We used the Klinger-Guyton withdrawal rules on a 4.5% SWR. Bumped up to 5.5% after 10 years, to reflect the 20 year SWR instead of 30 year.
The Modified Withdrawal Rule & Capital Preservation Rule kicked in a few times.

Have withdrawn total of 1/2 the 2006 value. Current value is not quite twice the initial value.

It's a good life if you don't weaken.