There is always a tale or two to tell revolving around safe withdrawal rates. When I am dealing with more work and busy personal life during this period, two social media instances temporarily took my attention away, which are sort of related. Both links back to safe withdrawal rates. In the first story, Patrick Teo explains that he has some reservations about the safe withdrawal rate: And he explains his own model. I do understand that in Patrick’s model, he based his retirement income based on a multi-income strategy on CPF LIFE, CPF interest, dividend income, and property income. There is something in what he says that leads me to believe there is a gap in his understanding of the safe withdrawal rate study. Parts of what Patrick says is sound financial planning which I agree with. I felt that if they understand that the safe withdrawal rate is...