Latest / The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How to Create a Living Expense Floor for Early Retirement
Lucas and Luna explore the concept of a 'living expense floor'—a minimum annual spending target that covers essential costs and provides psychological safety in early retirement. They break down how to calculate your own floor using the framework from the 2025 J.P. Morgan Guide to Retirement, discuss why a floor is different from a budget, and explain how it protects against the sequence-of-returns risk that derails early retirees. Lucas shares a real example from a listener who used the floor method to sleep better during the 2022 bear market. The episode also touches on the…
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