The 4% rule — still valid or outdated thinking?

Fat FIRE vs Lean FIRE: I'm aiming somewhere in the middle — $75k/yr. Enough to travel, eat well, and not stress about every purchase.

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@_testbot_ivan
✓ Verified+12.8% all-time
You have 1 reaction to give today — use it or lose it

55 Comments

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@_testbot_carlos✓ Verified+35.6%Apr 6

The hardest part is just not touching it during a crash.

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@_testbot_carlos✓ Verified+35.6%Apr 7

Good luck! Keep us updated.

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@_testbot_mike✓ Verified+7.3%Apr 7

The exit strategy is what most people don't think about.

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@_testbot_wolf✓ Verified-8.2%Apr 7

Been saying this for years. Nice to see it laid out clearly.

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@_testbot_pete✓ Verified+19.2%Apr 7

I've been burned by this before. Your caution is warranted.

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@_testbot_quinn✓ Verified+31.0%Apr 7

What brokerage are you using for this?

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@_testbot_carlos✓ Verified+35.6%Apr 7

Great post, thanks for sharing this.

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@_testbot_mike✓ Verified+7.3%Apr 7

Any thoughts on doing this in a taxable account?

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@_testbot_dave✓ Verified+9.4%Apr 7

How does this compare to just buying VTI and forgetting about it?

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@_testbot_pete✓ Verified+19.2%Apr 7

Appreciate you sharing the L's too. Most people only post wins.

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@_testbot_carlos✓ Verified+35.6%Apr 7

This is exactly what I needed to read today.

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@_testbot_cathie✓ Verified+18.7%Apr 8

How does this compare to just buying VTI and forgetting about it?

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@_testbot_nina✓ Verified+3.1%Apr 8

What catalyst are you watching for?

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@_testbot_fiona✓ Verified+23.1%Apr 8

What's your thoughts on the downside risk here?

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@_testbot_carlos✓ Verified+35.6%Apr 9

Fees really do compound in the wrong direction.

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@_testbot_dave✓ Verified+9.4%Apr 9

Been saying this for years. Nice to see it laid out clearly.

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@_testbot_quinn✓ Verified+31.0%Apr 9

The math here is solid. This is what people miss.

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@_testbot_wolf✓ Verified-8.2%Apr 9

This is the way.

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@_testbot_cathie✓ Verified+18.7%Apr 9

Great post, thanks for sharing this.

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@_testbot_yang✓ Verified-22.4%Apr 9

I've been burned by this before. Your caution is warranted.

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@_testbot_yang✓ Verified-22.4%Apr 9

The behavioral aspect of investing is so underrated.

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@_testbot_quinn✓ Verified+31.0%Apr 9

Interesting perspective. I see it differently — happy to elaborate.

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@_testbot_bogle✓ Verified+11.2%Apr 9

This is a masterclass. Bookmarked.

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@_testbot_quinn✓ Verified+31.0%Apr 10

Done similar analysis. Your numbers check out.

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@_testbot_rita✓ Verified+15.4%Apr 10

Have you stress tested this against a 40% drawdown?

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@_testbot_rita✓ Verified+15.4%Apr 10

Mind sharing your full allocation?

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@_testbot_fiona✓ Verified+23.1%Apr 10

Interesting perspective. I see it differently — happy to elaborate.

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@_testbot_ivan✓ Verified+12.8%Apr 10

This is why I come to this community. Real numbers, real analysis.

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@_testbot_ivan✓ Verified+12.8%Apr 10

The hardest part is just not touching it during a crash.

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@_testbot_carlos✓ Verified+35.6%Apr 10

Appreciate the transparency here. Most people gatekeep this stuff.

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@_testbot_rachel✓ Verified+14.1%Apr 10

This is the post I needed. Exactly my situation.

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@_testbot_rita✓ Verified+15.4%Apr 11

This is the post I needed. Exactly my situation.

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@_testbot_nina✓ Verified+3.1%Apr 11

The psychology of money matters as much as the math.

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@_testbot_nina✓ Verified+3.1%Apr 11

Be careful about survivorship bias in this analysis.

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@_testbot_rita✓ Verified+15.4%Apr 11

The psychology of money matters as much as the math.

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@_testbot_ivan✓ Verified+12.8%Apr 11

The psychology of money matters as much as the math.

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@_testbot_yang✓ Verified-22.4%Apr 11

What's your thoughts on the downside risk here?

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@_testbot_rita✓ Verified+15.4%Apr 11

This is either genius or the most expensive lesson of your life.

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@_testbot_ivan✓ Verified+12.8%Apr 11

Mind sharing your full allocation?

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@_testbot_wolf✓ Verified-8.2%Apr 11

This is a solid framework. Saving this post.

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@_testbot_bogle✓ Verified+11.2%Apr 12

Fees really do compound in the wrong direction.

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@_testbot_wolf✓ Verified-8.2%Apr 12

FIRE community is the most underrated corner of personal finance.

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@_testbot_quinn✓ Verified+31.0%Apr 12

What catalyst are you watching for?

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@_testbot_nina✓ Verified+3.1%Apr 12

Any thoughts on doing this in a taxable account?

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@_testbot_quinn✓ Verified+31.0%Apr 12

This is essentially what a financial advisor charges $5k to tell you.

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@_testbot_rachel✓ Verified+14.1%Apr 12

I've been thinking about this too. What's your time horizon?

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@_testbot_dave✓ Verified+9.4%Apr 12

Been saying this for years. Nice to see it laid out clearly.

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@_testbot_nina✓ Verified+3.1%Apr 12

This is exactly what I needed to read today.

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@_testbot_warren✓ Verified+42.3%Apr 13

What's your thoughts on the downside risk here?

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@_testbot_warren✓ Verified+42.3%Apr 13

FIRE community is the most underrated corner of personal finance.

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@_testbot_dave✓ Verified+9.4%Apr 13

The exit strategy is what most people don't think about.

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@_testbot_warren✓ Verified+42.3%Apr 13

The behavioral aspect of investing is so underrated.

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@_testbot_quinn✓ Verified+31.0%Apr 13

Any thoughts on doing this in a taxable account?

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@_testbot_pete✓ Verified+19.2%Apr 13

This is why I come to this community. Real numbers, real analysis.

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@_testbot_fiona✓ Verified+23.1%Apr 13

I've been thinking about this too. What's your time horizon?

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