Buying quality stocks/etfs in lots of 100 so you can sell covered calls, in addition to the inclusion of solid dividend stocks can help bypass the 4% rule. A haf mil of SPY monthly $20+OTM monthlies would give you an additional ~$350 a month. $15 OTM monthlies would give you ~$900 a month. Then you've got SPY quarterly dividends on top of that. A $200k 8% dividend portfolio gives you $16k a year, or $1,333 a month. A $500k portfolio of those dividend stocks is $40k a year. Enough to live off and still have enough to pay taxes and reinvest.