Hocus, a piece of friendly advice: If you want people to read your posts (and I have enjoyed reading many of your non-swr posts in the past Smile ), try to make them more concise. When I saw the length of that last post I went straight to the last paragraph.
According to that paragraph, we are going to try to change the future! My vote for doing that would be to stop the debate about SWRs, because there is in fact no guaranteed SWR, only time will tell who, if anyone, is right (I have played some with firecalc and it's a neat enough program). Instead lets spend more time on educating people on how to become FI at an early age (there are many ways, and I believe that passion saving is a step in the right direction) and showing them that there is life after work. Also, we should be spending more energy on the topics that are important to those of us who are FIRED, such as the best vacation spots, favorite beer, latest gadgets, etc. (oh yeah, and things like investments too
It is always interesting to see if one's strategy would have worked if implemented in the past, but that may or may not have any correlation to the future. I, for one, believe in diversifing over several different asset classes, making adjustments as I deem necessary (to asset allocation, spending, etc.), and let nature run it's course.
I could ramble on here, but I'll practice what I preach and keep this post fairly concise
Life is Good.