I just read something interesting for you, the future early retired person. It is called Cyclically Adjusted Price to Earning - CAPE, one of the most studied and watched stock valuation indicators. And to withdraw efficiently, you need to use a CAPE median strategy. If CAPE is greater than its long median ('average' for normal people), than stocks are highly valued and you can withdraw from there, if CAPE is bellow average, withdraw entirely from bonds.
Using this strategy, you will reach a 12% more rate of success and on average 3 times more money in a 30 year period.
Want to find more, search about CAPE and Robert Schiller research, you gonna like this.
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