Latest / The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How Safe Withdrawal Rates Change With a Rising Market
With the S&P 500 up roughly 15 percent over the last twelve months, early retirees who locked in a 4 percent withdrawal rate a few years ago may now be leaving money on the table — or, worse, overspending. In this episode, Lucas and Luna walk through a concrete example: a retiree with a $1.2 million portfolio in early 2024 who kept withdrawals flat. By May 2026, that same portfolio has grown to roughly $1.5 million. Should that retiree increase their spending? Lucas explains the 'percentage of portfolio' approach versus the 'inflation-adjusted' approach, and why the gap…
The skinny
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