That's not really even close to true anymore... There have been a few studies that have attempted to update the Trinity study, like this one that gives an 89% c

That's not really even close to true anymore... There have been a few studies that have attempted to update the Trinity study, like this one that gives an 89% chance of success even at a 3% SWR: https://www.financialplanningassociation.org/article/journal/AUG15-sustainable-retirement-spending-low-interest-rates-updating-trinity-study https://www.financialplanningassociation.org/article/journal... People in the FIRE communities are routinely discussing 3.5% and 3% SWR's, and see 4% as risky.