There's a famous study called the Trinity Study, wherein the authors posit that based on all historical evidence, for a 30 year withdrawal, 4% is a safe number

There's a famous study called the Trinity Study, wherein the authors posit that based on all historical evidence, for a 30 year withdrawal, 4% is a safe number to be able to continuing withdrawals for the whole 30 years. Extending it to 60 years requires dropping down to 3.5%. However, if one is content "leaning down" the fun spending in lean years, those percentages can go up a little bit on average. See the literature about VPW for more info: https://www.bogleheads.org/wiki/Variable_percentage_withdrawal https://www.bogleheads.org/wiki/Variable_percentage_withdraw...