Does the 4% Withdrawal Rule Work For an Early Retirement (And What To Do Instead)? ᴴᴰ
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- čas přidán 7. 06. 2024
- You can withdraw more than 4% from your portfolio. This just may be the most important video you watch for your entire retirement (early retirement)!
The importance of withdrawing funds efficiently can be the difference of hundreds of thousands of dollars over the course of your retirement.
Ari Taublieb, CFP®, MBA is the Vice President of Root Financial Partners and a Lead Financial Planner (Fiduciary).
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Timestamps:
00:00 - Introduction
00:35 - The most important video yet
1:30 - The 4% rule explained
3:20 - Dynamic v. Static Withdrawals
3:50 - Increasing Spending..Yes That's Right
4:30 - Retire Earlier Than You Can Imagine
6:15 - Give Yourself A Raise
7:22 - Jon Guyton's Guardrails Approach
8:35 - Have a BETTER LIFE
9:22 - Create a holistic approach
9:55 - Work With Me
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Extremely valuable content right here. Those steadfastly following the 4% rule are likely leaving a lot of "life" on the table and passing down a larger estate than they'd have liked to.
The retirement spending "smile" is often disregarded too. Personally, I think we should all plan to push the spending limits in our 50s and 60s when we are the healthiest and most mobile/active. Most people 75+ stick pretty close to home the majority of the year and lead fairly simple, easy (and relative to their 50s, inexpensive) lives.
Well said @tommyron251
Couldn’t agree more. Thanks for sharing.
You're great! I enjoy listening to your advice.
Thank you!!
Great content! 👏🏻
Glad you enjoyed it
You definitely could spend more than 4% if the market is doing well. 4% isn't a rule and you won't be punished for not following it
4% plus inflation adjustments was the safe max(historically safest highest withdrawal rate). It was information we didn't have before the study. Absolutely groundbreaking research that not once in study says rule
I think using 4% Gross w/drwl is a base guideline (some years could be better ... live it up).
Well said!
Great content! What exactly are the, “Set of guidelines”?
Taxes are part of your expenses. What other catogeies are you also leaving out if you don't think taxes are expences
Time stamp 1:38
Agreed, the 4% rule is 4%. It is not what your living expenses are, it is what you can safely withdraw from you nest egg. If you have other income, such as rental income, pension, and/or Social Security, then your spending will be higher than 4% and should be higher, the 4% is only what you are taking out of your retirement nest egg, not your retirement income/spending.
fortunately I have a great federal pension and no debt, no need to take SS until FRA and don't need to touch IRA/TSP
Love it. That’s due to your hard work to be in that great position.
What if we're 100% s&p500 and willing to live like monks and go down to 2% or even less if there is a 30-50% downturn in the market? Would that work? How much could we take out during bull markets?
The diversified approach is probably better... I'm just really curious.
Good question. And remember it could be when you take the money out. What about voo and vym split. That be about 2.5 percent divided
Excellent, thoughtful content. I find it unnerving that Ari blinks less than Hannibal Lecter.
Ha! My editor cuts it well- I promise I blink Andy! Thanks for the kind words.
I’m a teacher and I also blink seldom. It can freak kids out, haha
@@dforrest4503 ha! So is my partner.
What are your fees? Cant find it on your website?
They’re on the Rootfinancialpartners.com home page if you scroll down!
🤘🏻
Ari keep it up! For us younger folks your content is perfectly targeted. The normal root channel is still good but not as good as your channel
Thanks, Anthony. We're here to help!
Q&A ‼️
If you want to retire young don’t use the 4% rule, use your public sector pension.
Even better if you have one!
A public sector pension is a great income source in retirement, but it’s a terrible way to build real wealth and transfer that wealth to your kids, charities or other noble causes.
Your pension dies with you. Real wealth compounds into eternity.
Also, if you’re talented in your profession, you’re leaving a lot of earning and wealth creation potential on the table by sticking with the government for a full career.
@@CalmerThanYouAre1 Wife is retiring with a public sector pension that will pay over $200k/year. Maybe she left talent on the table, I’m not sure but the work/life balance has always been great. Plus, we won’t touch my retirement savings or our other investments and they will stay fully invested at least until we have to start taking required distributions. So our kids can inherit that plus our properties.
@@edhcb9359 I'm not sure what her job was, but my public sector teacher pension will be about $40,000 per year. So I guess she wasn't a teacher!
@@nutria12247 You should have gone into the administration side.