I'm going to assume you mean 'in years when 4% exceeds $80k, leave the excess invested'. As the whole point of using 4% as a safe withdrawal rate is that it all

I'm going to assume you mean 'in years when 4% exceeds $80k, leave the excess invested'. As the whole point of using 4% as a safe withdrawal rate is that it allows the good years to balance out the bad years.