Thanks for comments,
comparing annuities against laddered deposits:
I have got some offers of annuities, results: they are only better if I get a methusalem age. My laddered certificates system (nice named by George T.O., for my way of investing only in fixed deposito's roling over) the interest I could get on my deposits differs between 7 (ten years ago) and 4%, but now a period with lesser interest will start, I have still recent bought some 10 year deposits of 4,5% and 5%) so the decline will be softened). Because I have only a withdrawal rate of about 2 % I get compound interest on the part I dont withdraw: eg compound interest over 19 years with a continual yearly interest of 4,5% is about 7 % annualy)
At Mo and George: In the 19 years I record my expenses e.g. on electricity and heating (natural gaz) bill went down to 10% of what I paid in 1993, due to ERE principes (smaller living, insulation my walls and roof and much better glazing called HR++), lower temperatur in house etc), local tax is higher, but is easily compensated by using no or (hardly no) car and cloth use and the smaller house. After 19 years I live (very) comfortable on less than 60% of 1993.
Living FI is not static, you change things during life and see surpises: See Jacob: moving from more or less rural to a big city: cheaper food, lower car insurance, less use of car. See Bigato: changing his desktop to a modern laptop: it lowerd significant his electra bill to 1/3.
So I think that (for me) my laddered certificates are much more easy to handle (and gives my more peace of mind) than stocks. (You have never a loss, and the bonus you get is in the compound part)
But I look allways for suggestions and advice to improve and simplify.