Latest / The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
The Trap of the 4 Percent Rule in Early Retirement
We are breaking down why the famous 4 percent withdrawal rate, originally calculated for a 30-year retirement horizon, often fails when you plan to quit your job at 45 and live off investments until you are 90. Lucas examines the sequence of returns risk that turns a solid portfolio into a depleted account during early market downturns, while Luna explores the behavioral reality of cutting spending by 20 percent when prices drop. We look at specific asset allocation shifts and the hidden costs of longevity risk that most financial independence calculators ignore.
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The skinny
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