How Much Can You Safely Withdraw If You Retire Early?

Safe withdrawal rates for retirement depend heavily on the time horizon. For a 30-year retirement, a 3.9% starting withdrawal rate offers a 90% success probability. Longer horizons require lower rates: 3.5% for 35 years, 3.3% for 40 years, and 2.9% for 50 years. Portfolios with 40% stocks and 60% bonds were assumed; higher equity allocations slightly affect rates. Early retirees should consider Social Security, potential future work, and flexible spending strategies.