Why '100 Minus Age' Is Too Conservative

998. How much do you really need to retire? Should you always buy term life insurance? In episode 998, Money Girl Laura Adams audits 8 popular financial rules of thumb to see if they hold up in today’s economy.

What you’ll learn:

• The Rule of 72: How to calculate when your money will double.
• The DIME Method: A smarter way to calculate life insurance than "10x your income."
• Emergency Fund Math: Why 3 months might not be enough for you.
• Investing Allocations: Why "100 minus your age" is likely too conservative for 2026.
• Retirement Readiness: Understanding the "Multiplier of 25" and the 4% withdrawal rule.

Don't follow a rule just because it's famous—follow it because it works for your life.

Find a transcript here. 

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