Assuming 4% SWR, $75k annual spending, and 4% post-inflation returns going forward, then our investable assets cover...

**234 days** (through August 22nd each year) if we stop working today.

**299 days** (through October 27th each year) if we work and contribute to pre-tax accounts 4 more years.

**366 days** (through Jan 1 of the following year, each year) if we then work part time, stop contributing to pre-tax accounts, and let balances grow for 5 years before withdrawing.

FIRECalc tells a slightly more pessimistic story with the same inputs: 96% success rate for 50 years *including* SS @22k/yr starting in ~21 years. Without SS, spending goes down to ~$63k/yr for a 96% success rate. The FIRECalc/4% SWR discrepancy once again highlights the importance of being able to scale back spending (and/or rely on a side-hustle) during bear markets.