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The FIRE Movement Is Dead! (What You Need to Know Now)

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Adjusting Withdrawal Rate Based on Length of Retirement

The withdrawal rate for retirement should be adjusted based on the expected length of retirement. A 0.25% reduction in withdrawal percentage for every five years of early retirement is recommended. For example, for retirement at 55, a 3.5% withdrawal rate is advisable, and for retirement at 45, a 3% withdrawal rate is suggested.

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