The 4% Rule Is Only a Starting Point, Not a Retirement Plan | Financial Advisor Explains
“How much should I be saving?” and “How much can I spend once I retire?” are the two questions I get asked more than anything else.
Almost every answer you’ll find online treats them as separate: save 15%, spend 4%, done.
But they’re actually the SAME question.
What you save while you’re working decides what you can spend when you stop, and how you plan to spend in retirement should decide how much you save right now.
Whether you’re 35 and building or 63 and about to flip the income switch, this episode connects the dots with the good, the bad, and the ugly of saving and spending.
You’ll also…
The skinny
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