Are you including retirement funds into you investment return time-frame to reach your cost of living? I couldn' tell but it looked like it.
Yes, definitely. Otherwise my projections would be forever. Check this out:
IRS regulation 72(t) allows an individual to withdraw "substantially equal periodic payments made for the life expectancy of the individual or the joint lives of the individual and the designated beneficiary." If an individual follows one of the three ways to calculate the "substantially equal payments," they will avoid the 10% early withdrawal tax completely.
The only stipulation for taking early withdrawals is that they must continue until the individual reaches 59.5 years old, or for a period of five years, whichever is longer
Obviously this is a bad move for most people, but if I'm sure that I have enough to retire this way at, say, 40, I see no reason not to go this route.
By the way, the big problem with my projections is that they assume my cost of living stays the same, whereas I'm likely to eventually get married and have kid and have my expenses skyrocket.