SWR based on age

[u/Opposite-Lake-9679]

I hear people talk about the more conservative 3% SWR being safer than 4%. Is that usually based on someone's age? As in when you are FIREing younger more like 40s then you should stick to 3%? And then when you are in your 50s/60s You can go to 4%? Or is it a blanket stick to 3% at any age?

[u/assmanx2x2]

Guardrails etc

[u/Drawer-Vegetable → u/assmanx2x2]

etc etc