[jimjamuser]

Thanks for a good, comprehensive thread. The stock market is high and the interest rates are STILL low, but increasing. Today, before more rate increases, a person could (?) sell their big home, sell much of their PROFITABLE stocks, and rent and buy a small condo, AFTER WAITING for the economy to drop. Because the economy ALWAYS eventually turns DOWN - just wait it out!
......As to the take 3% or 4% taken out each year after retirement - you need to know how long you are going to LIVE. Not counting accidents, there are apps, which could help a person predict their longevity. I have never used one so I can't really comment knowledgeably. For a universe of reasons, this is a tough time in History to make future predictions - especially in the US!