How do you plan on setting up the $1.5m? 90% invested, 10% cash? what are the investments going to look like? 100% index funds? What if the market doesn't ret

How do you plan on setting up the $1.5m? 90% invested, 10% cash? what are the investments going to look like? 100% index funds? What if the market doesn't return 7-10%? What's your plan, draw down 4% a year, 1% a quarter? S&P500 index fund has a 1.5% dividend, so you only need to draw 4 - 1.5 = 2.5% (0.625% a quarter), unless you'd let the dividends reinvest and then sell them off. You can get treasuries/bonds yielding 4-5% for short term now, not sure about a 15-30 year outlook. Annunities and other weird things (high dividend yield ETFs) are an option but anything other than trying to find 4%+ is not without risks. Plus your expenses are $30k now. In 2020, what were they? $25k? They won't be $30k forever (as you know). I just can't imagine being in a position where I need to sell off 1% of my portfolio quarterly to live no matter the conditions of the market. The stock market can perform like crap for years at a time. Your net worth in stocks can drawdown up to 40-50% in 'worst case scenarios'