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EP # 203 | Why We Don't Use the 4% Rule: A Better Way to Draw Retirement Income
If the best years of retirement are front-loaded, why do most retirement income plans hand you the same inflation-adjusted number every single year for 30 years? It doesn't match how anyone actually lives. In this episode, Joe walks through a better approach; One that spends more when you can enjoy it, eases off when you naturally slow down, and still holds up when life throws a curveball.
The 4% rule is a useful starting point for a conversation, but it is not a plan. Neither is any flat withdrawal number. They assume your spending climbs in a straight line for three decades, which ignores…
The skinny
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