"[T]he most-quoted 'safe withdrawal' research takes an approach that ... consistently assumes that retirees increase their spending by inflation each and every year of retirement. To sustain such spending growth, they stipulate withdrawal rates of 4% (if not less).... They become square-pegs-for-round-holes approaches by assuming retirement spending is static. Instead, it is dynamic over one's retirement-ebbing and flowing as 'life' and 'bucket lists' intersect -- and in a steadily decreasing pattern."  MORE >>