You don’t provide enough information to answer this question. It’s a complex and nuanced topic. Read the safe withdrawal rate series on early retirement now website. Just google ‘ERN SWR’

We're glad to hear that you are wanting to learn more! You're definitely in the right place. Our website has many excellent resources and is a great place to start. First, visit "News & Research" on the website to look at our Learning Center. There is an extensive library of articles, a large collection of On-Demand videos, an upcoming events section for webinars, and guides. If you're ready to start, you can easily open an online account. We even have some promotions running right now that may interest you: Current special offers at Fidelity: www.fidelity.com/go/special-offer Finally, if you'd rather speak to one of our representatives, we are available 24/7 to help you get started. Contact Us: www.fidelity.com/customer-service/contact-us Please don't hesitate to ask any questions about specific account types or features on our site. We're here to help!

Vanguard ETFs

Hey there, Luke! Thanks for commenting. The Fidelity.com website is a great tool to learn more about many types of investments. You can follow the link below to our Fidelity Learn page, where you can find a variety of helpful articles. Fidelity Learn www.fidelity.com/learning-center/overview Additionally, you can click the "Topics" button from Fidelity Learn if you're unsure where to start or type in a keyword or phrase to be guided to a library of information. You can even find information on broad topics, like general investing. If you have any specific questions we can help with, please don't hesitate to reach back out to us!

Thanks for reaching out, Mike! Please let us know what numbers or charts aren't making sense to you, and we'll happily clarify them. We look forward to hearing back from you!

@@Fidelity Thanks for the reply! Confusion #1 - I've been trying to determine why my "Future Dollar" assets are higher than "Today's Dollar" assets even though inflation is causing my living expense dollars to increase quicker than my social security income. (my "Future Dollar" assets seem equal "Today's Dollar" assets * the inflation rate, 2.44%/year). I have been using the table data (Average Market) and trying to work through the math. In my situation, my assumptions: 1)Total Expenses = SS tax + the withdrawal amount to cover my living expenses and taxes. 2) Inflation is used to adjust expenses and SS only in the "Future Dollar" selection. Here's my confusion #2 - Looking at my "Total Expense" column, even though I am using "Today's Dollar", my numbers increase every year, I figured those numbers would stay flat, since it wasn't inflation adjusted, my SS numbers do stay flat. Confusion #3 - for a test, I put in $1 for my monthly living expenses ($12/year) and $0 for my SS payment. I was expecting to see "Total Expenses" to be $15 in the year 2025 ($12 + taxes), but instead I see $66. I don't know what other items factor into my "Total Expenses". Is there a document that explains what factors into into each of the columns used in the table? I must be misunderstanding something. Thanks again, and sorry for the long response. Mike

Thanks for the reply! I've been trying to determine why my "Future Dollar" assets are higher than "Today's Dollar" assets even though inflation is causing my living expense dollars to increase quicker than my social security income. (my "Future Dollar" assets seem equal "Today's Dollar" assets * the inflation rate, 2.44%/year), Confusion #1 I have been using the table data (Average Market) and trying to work through the math. In my situation, my assumptions: 1)Total Expenses = SS tax and the withdrawal amount to cover my living expenses and taxes. 2) Inflation is used to adjust expenses and SS only in the "Future Dollar" selection. Here's my confusion #2 - Looking at my "Total Expense" column, even though I am using "Today's Dollar", my numbers increase every year, I figured those numbers would stay flat, since it wasn't inflation adjusted, my SS numbers do stay flat. Confusion #3 - for a test, I put in $1 for my monthly living expenses ($12/year) and $0 for my SS payment. I was expecting to see "Total Expenses" to be $15 in the year 2025 ($12 + taxes), but instead I see $66. I don't know what other items factor into my "Total Expenses". Is there a document that explains what factors into each of the columns used in the table? I must be misunderstanding something. Thanks again, and sorry for the long response. Mike @@Fidelity

Thank you for following up with us, Mike. We're glad you're taking advantage of our Planning & Guidance tool. We're happy to provide a bit of insight into that portion of our site. As you know, the outputs of the Planning & Guidance Center tools are impacted by each user's inputs, current assets, investments, and more. You can review the "Methodology" section within the tool to review in-depth details about each calculation. To review this section, click "Help & Methodology" near the top right corner while in the Planning & Guidance Center tool. As a tip, it may be easiest to search for the specific terms by holding "ctrl + F" on your keyboard while the document is open. We love that you're using the tools and resources available to you on our site, and we are happy to address anything that comes up along the way.

Thanks, I have been looking through the methodology document for several months now, it isn't detailed enough for my issues. I will try some other avenues. Thanks again!@@Fidelity