alt Hacker News"Should I use a 3.5% or a 4% safe withdrawal rate? My house is paid off and I got a company pension, two dogs and a partner. Cars are paid off but our iPhones are on a payment plan till 2028. Net worth around $2.5 billion but highly concentrated in one company"
> Should I use a 3.5% or a 4% safe withdrawal rate?
Well...
> My house is paid off and I got a company pension, two dogs and a partner.
Kids? What are you planning for your estate after you croak? You can do a little better than 4% with an lifetime joint annuity for you and your partner, so long as you don't care about leaving anything to family...