I don't think you fully understand what the 2.2 million represents at 80k/year. This is a 3.6% SWR, which is considered "safe" because over a long period of tim

I don't think you fully understand what the 2.2 million represents at 80k/year. This is a 3.6% SWR, which is considered "safe" because over a long period of time, the stock market will typically do well enough to offset any downturns. The average market return from 1985 - present is about 7%, so i have no idea why you would assume principal remains the same after 40 years.