Latest / The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
The 2 Percent Rule That Works Better Than 4 Percent
Episode 81 of The Financial Freedom Podcast challenges the sacred 4 percent rule. Lucas and Luna explore why a 2 percent withdrawal rate, paired with geographic arbitrage, is actually more realistic for today's early retirees. Using the case of a couple who moved from San Francisco to Medellín, Colombia, they break down the numbers: $1.5 million portfolio, $30,000 annual living expenses, and a near-zero failure rate in historical simulations. The conversation drills into why sequence risk isn't the only threat — lifestyle inflation and healthcare costs are just as dangerous. They…
The skinny
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