As others have pointed out you already counting home equity via imputed rent and the reduction to monthly costs. To count it for the purposes of calculating 4% or whatever would be double counting the value.tennisplyr wrote: ↑Sat Nov 26, 2022 7:54 am Does anyone take their withdrawal percentage based on their total net worth? While technically not an investable asset, home equity...through HELOCs, refi and reverse mortgage..is accessible for cash.
That said, we know that we will be downsizing from this large house once the kids are all gone so in the plan there is this largish cash infusion a few years into retirement. I guess it depends on where we end up moving how big that sum will actually be.
Of course at some point we also will want to buy into a CCRC sooooo...