Latest / The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How a 3 Percent Withdrawal Rate Survives a Stagnant Market
In Episode 124, Lucas and Luna tackle a question that haunts every early retiree: what happens if you quit your job and the market goes nowhere for a decade? They drill into a specific case — a retiree in 2000 who used a 3 percent withdrawal rate instead of 4 percent — and walk through the actual portfolio outcomes using historical data. Lucas explains why a 3 percent rate historically survived even the worst lost decades, including the 2000 dot-com crash and the 2008 financial crisis, while a 4 percent rate came perilously close to failure. Luna challenges him on whether the math holds up…
The skinny
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