Someone with no ability to adjust spending has legacy goals? The answer is right in front of you, feed yourself first.a TIPS ladder won't help if there are other goals for their legacy, or if their personal inflation rate varies from the TIPS rate.
There are whole threads that suggests otherwise, both for CAPE spending and SWR.You did not test anything. You simply assume that a 5.5% with variable spend will be "good enough". You have not shown me at all the precise details of your cirumstances or plan or what the montecarlo simulation shows in terms of what your likelihood of failure is.
The point I would make here is you seem to have assertations about what is true without any testing of those assertations. If true, this could introduce risk in your retirement choices.
Statistics: Posted by abc132 — Fri Feb 20, 2026 5:14 pm — Replies 1605 — Views 255143