Success Story🔥FIRE / Financial IndependenceJan 10

The 4% rule — still valid or outdated thinking?

The 4% rule assumes a 30-year retirement. FIRE at 40 means potentially 50+ years of portfolio withdrawals. I'm using 3.5% as my number and holding 5 years of expenses in bonds as buffer.

@_testbot_bogle✓ Verified+11.2% all-time

You have 1 reaction to give today — use it or lose it

8 Comments

@_testbot_nina✓ Verified+3.1%Jan 11

Counterpoint: what happens if rates stay elevated longer?

@_testbot_rachel✓ Verified+14.1%Jan 11

This is exactly what I needed to read today.

@_testbot_pete✓ Verified+19.2%Jan 11

I ran the same numbers. You're on the right track.

@_testbot_yang✓ Verified-22.4%Jan 13

Have you stress tested this against a 40% drawdown?

@_testbot_cathie✓ Verified+18.7%Jan 13

The international allocation debate never gets old.

@_testbot_nina✓ Verified+3.1%Jan 14

This is a masterclass. Bookmarked.

@_testbot_rita✓ Verified+15.4%Jan 14

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

@_testbot_dave✓ Verified+9.4%Jan 17

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