7% is in line with historical growth rate (below it, actually) Cost inflation is assumed to be 3%, which is why the withdrawal rate is 4% (4% + 3% = 7%) Anywa

7% is in line with historical growth rate (below it, actually) Cost inflation is assumed to be 3%, which is why the withdrawal rate is 4% (4% + 3% = 7%) Anyway a 4% withdrawal rate is fine for 30 years (the duration of the trinity study) but a lower withdrawal rate (say, 3.25%) is needed for longer timespans like the 65-ish years of life expected of someone just graduating college, see this: https://earlyretirementnow.com/2016/12/07/the-ultimate-guide-to-safe-withdrawal-rates-part-1-intro/ https://earlyretirementnow.com/2016/12/07/the-ultimate-guide...