Thanks Dave. I was using the 4% number as an example. My plan is to use the guardrail approach, and to include taxes in the estimate that will need to be covered. Also, I have a couple of rental properties and from age 70 will have increased Social Security benefits. Finally, and most importantly, I don't plan to retire at once. Instead, I plan to transition to half time in my business for several years, then go down to 10-25% for a few more. Oh, and one more thing, inflation in the last six months has been near zero. What do you make of that?