3% withdrawal rate has a ton of cushion built in, surviving all historic scenarios including the Great Depression. If we do experience something worse than the

3% withdrawal rate has a ton of cushion built in, surviving all historic scenarios including the Great Depression. If we do experience something worse than the Great Depression, it’s not a particularly safe assumption that your job would still exist either, but having whatever was left of your savings would put you in a better spot than most to forge a new life in this new post-apocalyptic world.