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, Lucas and Luna dive into the concept of sequence of returns risk — the danger of market downturns hitting just as you start withdrawing from your portfolio. Using a real example from a retiree in 2000, they explain how a 4 percent withdrawal rate fails during early bear markets, and how dynamic spending rules can protect your nest egg. They also share a simple spreadsheet model to stress-test your own retirement plan.
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The skinny
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