I thought the trinity study assumed 7% returns and 3% inflation. If you withdraw 4%, shouldn't the money last forever, not 30 years?
You need to do your homework on the Trinity Study because that's not accurate. Not even a little bit.
It had a 5% failure rate.
This is important stuff. So important, you should not just trust random strangers on the internet.
There's an MMM blog article addressing some of the concerns and how to deal with them, and a whole forum thread on it, too.
Go do some serious digging and find out (and understand!)
exactly and
precisely what the study showed.
Because if you don't and you FIRE, you might just learn about that 5% problem area the hardest way possible...