When I'm logged in - I can see them with a comment in orange that says "! Awaiting for approval". I'm assuming someone has to look at the links and approve them.
I've tried to post twice already links to articles on the kitces website, but apparently they aren't getting approved. So I wont link to them. If you go to his website and search "4%" you will find a number of posts which address SWR for different situations. Some are long but they are quite informative.
Comments
Jonathan covered that here: What Withdrawal Rate? - HumbleDollar
Post: RMDs, account withdrawals, 4% simplified- MAYBE?
Link to comment from January 20, 2026
Nothing wrong with splitting the difference and doing both, keep half in money market and half in CD's.
Post: Should I Lock in CD Rates Now or Stay in Money Market?
Link to comment from January 15, 2026
That's just not correct. For example see What Returns Are Safe Withdrawal Rates REALLY Based Upon?
Post: Considering a Lost Decade When Retirement Planning
Link to comment from January 15, 2026
4th link: The Big Picture This link is reference in the 3rd link.
Post: Customizing the Safe Withdrawal Rate
Link to comment from January 14, 2026
3rd link: Software Solutions To Calculate Safe Withdrawal Rates
Post: Customizing the Safe Withdrawal Rate
Link to comment from January 14, 2026
2nd link: Flexible Spending Rules To Avoid FIREing At 4%
Post: Customizing the Safe Withdrawal Rate
Link to comment from January 14, 2026
So lets give it a roll. 1st link Can Morningstar's Withdrawal Rate Report Refute The 4% Rule?
Post: Customizing the Safe Withdrawal Rate
Link to comment from January 14, 2026
When I'm logged in - I can see them with a comment in orange that says "! Awaiting for approval". I'm assuming someone has to look at the links and approve them.
Post: Customizing the Safe Withdrawal Rate
Link to comment from January 14, 2026
I've tried to post twice already links to articles on the kitces website, but apparently they aren't getting approved. So I wont link to them. If you go to his website and search "4%" you will find a number of posts which address SWR for different situations. Some are long but they are quite informative.
Post: Customizing the Safe Withdrawal Rate
Link to comment from January 13, 2026
Here are a couple of other rather long articles that address your concern. The Kitces website often provides some pretty good analysis of the issue you are concerned about. Can Morningstar's Withdrawal Rate Report Refute The 4% Rule? Flexible Spending Rules To Avoid FIREing At 4%
Post: Customizing the Safe Withdrawal Rate
Link to comment from January 13, 2026