Subject: Re: Most real life retirees don't take 4%
“My basic budget for living expenses in 2026 is only $20,000/year”.

WTAF?!?
😳
The thrifty food budget for two codgers is over $500/month, or $6,000/yr. Your internet and cell service would be $200/month on average. Utilities have to cost around $150-200 a month, and I know you’re not paying zero in taxes. That’s at least $1200 of your $1,666.67 a month, so you basically stare at each other and take occasional walks to the library for retirement?

Your annual budget seems a tad austere.