This ^^^ describes my behavior. Retired for over a decade.I think if you ask Bogleheads who are actually retired and spending from their portfolio, the answer is "they spend whatever they feel like spending."
I've read McClung's book but I've never even bothered to pick up a calculator and compute my withdrawal rate.
If I had to guess, I'd say it's less than the blended dividend yield on the various stock index funds in my taxable account, so maybe around 2%.
Regards,
Statistics: Posted by retired@50 — Tue Jan 23, 2024 12:05 pm