u/Independent-End6157

Fidelity is telling me that I can withdraw 20k/month if the market is significantly below average and 30k if the market is average. I can survive on much less, but I feel uneasy because the 20k projection only covers 90% of the simulations. My mind immediately goes to, "What about the 10%?" I assume I can live worry-free on 10k/month even with paying for insurance out of pocket. Yet I worry and can't stop working (mostly coasting).