Yep, long-term I'm okay at 3%, comfortable at 3.5%, happy at 4% and awesome anywhere above 4.5%. I find the benefit of going with a conservative plan is stress

Yep, long-term I'm okay at 3%, comfortable at 3.5%, happy at 4% and awesome anywhere above 4.5%. I find the benefit of going with a conservative plan is stress reduction during downturns.