Latest / The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
The Sequence of Returns Risk That Breaks Early Retirement
In this episode of The Financial Freedom Podcast, Lucas and Luna unpack the single biggest threat to an early retirement portfolio: sequence of returns risk. Using real historical data from 1972 and 2000, they show how exactly the same average annual return can leave one retiree with a million dollars and another bankrupt by year 12. Luna brings fresh research from the Trinity Study updates through 2025, and Lucas walks through a concrete simulation of a $1.2 million portfolio withdrawing 4.5 percent starting in two different years. They discuss practical hedges like bond tents, cash buckets…
The skinny
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