I am more worried abt sudden health issue. seeing affected ppl like DK 3Fs n some ppl ard me


Reply to @Dividend_Warrior : i think is good to yolo once in awhile. We never know when a bad thing might make us become bed ridden.

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Agree with your conclusion that one needs to make adjustments. If the plan is not working, then do something. Or has plan A, B...C.

Just wondering too if a cash buffer of 3-5 years, besides the investment portfolio will help, such that one does not draw down from the portfolio when the year’s return is bad.

So same scenario - 1000, withdraw 4, but has a cash buffer of 20?