> 7% interest … 9% return … 32 years

These are wild figures. Most adventurous rules of thumb are about 4-5% over inflation. If you have a way to be confident in getting 7-9% pa over 30 years quit your day job and pile your time into whatever that secret is.

Then you’re pulling out 4% + fees a year which is also around the point of confident adventurousness. Many now say 3-3.5% including fees.

Good luck to you.