Guidelines do you use to a) determine when you are FI and b) withdraw and spend? c) what do you apply the withdrawal rate to? total net worth, financial assets, ?
I ask c) since my assets are in cash, taxable stock, real estate and retirement accounts. Do you count primary real estate? For example I have about 280k equity in my main house. Cannot use it, but the house is appreciating and when kids are gone we'd downsize. So, in some sense it is usable.
Thanks.