Month: June 2019

The 4% Rule Is Not Your Friend

The 4% Rule Is Not Your Friend for Early Retirement Savings // ournextlife.com, Tanja Hester, author of Work Optional: Retire Early the Non-Penny-Pinching Way, financial independence, FIRE movement

Today I’m tackling a popular and contentious principle in the FIRE community: the 4% rule. I’ve written about a major flaw of the “rule” before, namely that it relies on a false myth of level spending year over year in retirement, but today I’m taking on whether we can actually expect the 4% rule to give us enough of a margin of safety in the future.