321 Spend To The End

Sound Retirement Planning Podcast

In this podcast episode Jason answers a listener question about making adjustments to the 4% withdrawal rule based on your age.  When is the 4% withdrawal rule applied?  Should you make an adjustment to the 4% withdrawal rule based on your age at retirement?

Below are the articles and resources mentioned in this episode:

Retirement Budget Calculator and the new Snapshot report for tracking your net worth.

Articles mentioned in this episode:

The growth of the U.S. population age 65 and older exceeds that of the total population and the popula­tion under age 65.

Fastest growing segment of the population

NPR Age 80+ is the fastest growing age group.

MarketWatch: Probability of living to age 100

What Returns Are The Safe Withdrawal Rates REALLY based upon?

What Happens If You Outlive Your Safe Withdrawal Rate Time Horizon:
“Specifically, Bengen mentioned that even if someone starts at a 4.5% withdrawal rate and goes for 30 years, there is still a 96% chance (based on historical analysis) that the client will still have 100% of his/her original principal remaining to fund the extra years.”

Charles Schwab: Rob Williams & Chris Kawashima
Beyond the 4% rule: How Much Can You Spend In Retirement?https://www.schwab.com/resource-center/insights/content/beyond-4-rule-how-much-can-you-safely-spend-retirement

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