Our Social Security and Pensions cover most of our monthly living expenses, so we are following another plan.
We withdraw, based on the percentage left of the most optimistic life span, from remaining savings after deducting escrow accounts. We make no adjustments for inflation or interest rates. It adjusts itself each year.
We don’t have much in stocks and bonds, so there isn’t 50% fluctuations.
It is more complex that the 4% rule, but any plan is better than a fuzzy plan or no plan at all.