How Inflation Is Quietly Eating Your Retirement Withdrawal Rate

Inflation and Your Money with Fexingo: Protecting Purchasing Power and Beating Inflation · Jul 30, 2026 · 5m · transcript

In this episode, Lucas and Luna examine how persistent inflation—even at moderate levels—is quietly eroding the purchasing power of the classic 4 percent retirement withdrawal rate. With the 10-year breakeven inflation rate at 2.26 percent as of late July 2026, and core CPI still elevated, many retirees following the old 'safe' rule may be withdrawing more than they think in real terms. They trace the origin of the 4 percent rule from William Bengen's 1994 study, crunch the numbers on how a 2.3 percent inflation headwind reduces real withdrawals over a 30-year horizon, and…