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2060: [Part 1] The Four Backstops to the Four Percent Rule by Sean Mullaney

Optimal Finance Daily - Financial Independence and Money Advice

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The Four Backstops to the 4% Rule for Early Retirees

The 4% rule has a nice elegance to it. In theory, with a 5% return every year, the 4% rule would never fail a retiree. As early retirees age, there will be natural reductions in spending. There are levers early retirees can pull that can help compensate for declines in financial assets while not radically altering quality of life.

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