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The Lean FI Mistake That Traps Early Retirees
Episode 18 of The Financial Freedom Podcast tackles a subtle but dangerous error in the Lean FI approach: underestimating the cost of lumpy expenses like roof replacements, car purchases, and medical deductibles. Lucas and Luna break down the math using a hypothetical early retiree with a $500,000 portfolio, showing how a single $15,000 roof repair in year two can drop portfolio survival probability from 95% to below 80%. They discuss strategies like building a lumpy-expense buffer, using a home equity line of credit, and the case for scaling back withdrawal rates during high-inflation years…
The skinny
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