Latest / The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How Early Retirees Handle Sequence Risk with a Flexible Spending Floor
Lucas and Luna explore a lesser-known safeguard for early retirees: setting a flexible spending floor that adapts to portfolio performance. They examine how a retired couple in their forties used a percentage-of-portfolio withdrawal rule combined with a fixed floor to weather a 2008-style market downturn, and the math behind why this approach smooths income without sacrificing long-term viability. The conversation covers the trade-offs of floors versus guardrails, how to set your own floor based on fixed expenses, and why this strategy feels more intuitive than rigid withdrawal formulas…
The skinny
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