Subject: Most real life retirees don't take 4%
... it's more like 2% at age 65.

It's been more than 30 years since I've taken a withdrawal anywhere near 4% of assets. Now that I'm taking SS and two small pensions, I may never make a retirement portfolio withdrawal again except for RMDs.

After a while you get to the point where you realize that the real luxury in retirement isn't the wealth. It's the fact that there's nothing you have to do and nobody you have to report to.

https://www.kiplinger.com/reti...

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