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A comment on Early-Retirement Update. Parent comment

Re:Early-Retirement Update by TheCoelacanth on Monday March 22, 2021 @06:41PM (#26548351)
> In most cases there is a large margin of error built into the 4% "safe withdrawal rate"

I don't think that's the case if you're retiring early. The 4% withdrawal rate was based on a 30 year retirement. You need to go a bit lower if you want to have minimal risk of running out of money for a much longer horizon.

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Re:Early-Retirement Update by neogodless on Monday March 22, 2021 @07:14PM (#26548746)
https://engaging-data.com/will-money-last-retire-early/

You're more likely to die than run out of money!

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Re:Early-Retirement Update by TheCoelacanth on Monday March 22, 2021 @11:17PM (#26550634)
Certainly, but with their example of retiring at 40, you have an 8.5% chance of going broke before you die and a 3.4% chance of going broke before you even reach a normal retirement age.

That's a much higher level of risk than I would accept.

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