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2061: [Part 2] The Four Backstops to the Four Percent Rule by Sean Mullaney

Optimal Finance Daily - Financial Independence and Money Advice

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Introduction

The four backstops to the 4% rule, part two. Social security benefits are progressive based on bend points. This is a fancy way of saying that reducing later earnings for many workers will sacrifice social security benefits at a 15% or maybe a 32% replacement rate.

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