Latest / The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How Early Retirees Use a Variable Percentage Withdrawal Strategy
Most early retirees know the 4 percent rule, but what if you could spend more when markets are up and cut back when they're down? This episode dives into the variable percentage withdrawal strategy, or VPW, a dynamic approach that ties your annual spending to your portfolio's actual returns. Lucas walks through how VPW works using a concrete example: a $1 million portfolio with a 50/50 stock-bond split, showing how withdrawals would have fluctuated between $38,000 and $62,000 over the past decade. Luna challenges whether the volatility is worth it, and they discuss how to combine…
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