QUOTE(Cubalagi @ Dec 13 2025, 12:09 PM)
Backtrack to this question.
As I mentioned, I am.looking at the opposite. A more higher withdrawal earlier and then cutting later.
As example, assuming full retirement at 60 yo. Then withdrawal rate could be a fixed 6% or even 6.5% for 15 years. The % being from initial capital hence is fixed over the 15 years. Meaning in real terms it will fall with inflation.
At 75, cut down the spending to half (or even a bit less) until expiry. This new number, since it is low, will.have to be adjusted for inflation over the years to maintain a minimum standard of living.
What do u think?
Nice T20 life until 75, then frugal like Ramjade till dead.
I like your "Nice T20 life until 75, then frugal like Ramjade till dead" sentiment/idea...
If things go according to plan, the frugal phase is short anyway. And honestly, by that age, I think most people are perfectly happy to rest on their laurels and slow things down.
That’s roughly the kind of framework I was thinking about too — more of a sliding withdrawal rate that changes with age, instead of one fixed number forever.
Something along the lines of:
40 to 55: set wr between [3 to 4]
55 to 60: set wr between [3.5 to 4.5]
60 to 70: set wr between [4.5 to 6]
70 to 75: set wr between [6 to 8]
75 to 80: set wr between [8 to 10]
80 to 90: set wr between [10 to 10]
90 to __: set wr between [15 to 20 ]
The key idea is that the withdrawal rate keeps rising, but the spending budget (for that year) is always calculated as:
WR × net worth at the start of the year, and you recalc this every year.
So on paper, 10% sounds huge — but in reality it’s 10% of whatever net worth is left at, say, age 83.
And yeah… your idea also means you’ll be thinking of Ramjade when you hit 75....

lol