Hi I'm new here. I plan to work minimally by 2023 and be completely able to thrive financially without a job even though I still plan to work. I have been reading these posts for a while and most people seem to play the conservative role i.e. 4% withdrawal or 25x savings. I would like to know if anyone has tinkered around with either margin accounts, leveraged etfs, or municipal bond etfs. It seems you could have a much higher withdrawal rate than 4 pct without ever touching the principal and could FIRE much faster assuming no drastic downturn. I have also seen municipal bond etfs yield 8 pct tax free yield at times and these are very safe and tax free so you could easily get away with a 7% or more withdrawal on these and sleep well at night. Also with margin accounts you assume higher risk but receive the reward much faster so if you could get a decent rate on margin interest you could hit FIRE 3 times as fast then switch to more conservative plays to maintain principal and wd rate. Any thoughts? 37 here 165000 NW 50% savings rate.