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The 4 Percent Rule Is Not a Retirement Plan
In this episode of The Financial Freedom Podcast, Lucas and Luna challenge the conventional wisdom around the 4 percent withdrawal rule. They explain why the famous Trinity Study conclusion is often misinterpreted, how sequence risk and inflation can break the rule in practice, and why a flexible withdrawal strategy matters more than any fixed number. Lucas introduces the concept of guardrails — adjusting withdrawals up or down based on portfolio performance — and walks through a concrete example using a $1 million portfolio starting in 2026. Luna pushes back on the idea that retirees should…
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