Your spreadsheet show sequence of return risk.
A good discussion thread from bogleheads:
https://www.bogleheads.org/forum/viewtopic.php?f=1&t=236665Basically, 70's were the double-whammy stagflation years. Markets did not return much, AND inflation roared. Result was that your withdrawal $$ to go up too fast for the market returns to keep up.
Notice how all failure years are clustered around dates such that the 70's are early enough in your retirement to put serious spanner in your wheel.
1962 - 1992 ran short in 1989
1963 - 1993 $117,076 $543,437 -88.29% 464.18%
1964 - 1994 ran short in 1991
1965 - 1995 ran short in 1988
1966 - 1996 ran short in 1987
1967 - 1997 ran short in 1994
1968 - 1998 ran short in 1989
1969 - 1999 ran short in 1989
1970 - 2000 ran short in 1997
1971 - 2001 $131,445 $583,435 -86.86% 443.86%
1972 - 2002 $8,044 $35,201 -99.20% 437.61%
1973 - 2003 ran short in 1996