4% is a quite general rule of thumb to help determine when you might be ready to stop working. What you need, now that you are retired, is a plan, budget and withdrawal strategy specific to your assets and needs. You need some targets on how long you may live and what needs you may have along the way. This should be comprehensive and include all assets, social security, pensions, real estate, health care, taxes, long term care, children, relatives and heirs. You will need to develop a flexible plan with milestones and road signs.