This is nit-picky of me but at a 4% safe withdrawal rate (of 1200 that's $48), there's chance that that doesn't last thirty years (a common period for retiremen

This is nit-picky of me but at a 4% safe withdrawal rate (of 1200 that's $48), there's chance that that doesn't last thirty years (a common period for retirement analysis). The issue becomes sequence of returns risk. In early retirement circles, a lot of conservative folks will trends towards 3% or even 2% withdrawal rates to avoid potential for running out. There's a lot of discussion and analysis out there on the internet if you search for "4% rule", "retirement withdrawal rates", and the like it you're curious. Generally speaking 4% is solid, but would maybe move that number up a bit for a perpetual VM payment. OP can also implement this concept themselves, it'd just be more accounting.