Sure, it depends on your threat model. Typically FI means living expenses < (assets * withdrawal rate). If being disabled is in your threat model, include long-

Sure, it depends on your threat model. Typically FI means living expenses < (assets * withdrawal rate). If being disabled is in your threat model, include long-term care insurance in your living expenses. Note that you aren't withdrawing just the interest, assets appreciate and you can withdraw from that ever-growing principal. Psychologically, some prefer to not have a leaky boat, than to be in a boat and constantly expected to bail water. ("Oh, I can rest for a bit, then I better get back to bailing!"). Yes, you can hit a rock, or a pirate, but the goal is the expected case (95%) being "floating, not sinking".