Originally Posted by higney85

Are you saying pull $300k/yr on the 4.2M or total income with a pension? If that’s just on the portfolio at 7+%, sequence of return risk is real, especially if you are planning on inflation addition and a potentially long retirement if going @ 60.

I know Ramsey came out with an 8% withdrawal rate, but most are only looking at a 6-8% ROR nearing retirement if being aware of SOR risk and having a more conservative portfolio. Some like the 4% rule for drawdown and it has a high likelihood of success. Earlier retirement may need more of a 3% rate of withdrawal and allow the portfolio to take care of inflation. Especially true if you are covering the retirement for your spouse and may want to leave legacy assets.