Ranking Retirement Strategies

The 4% rule B tier. The 4% rule B tier. Here's the thing, it was built for a 30 year retirement and I'm retiring decades early. My money's got to last 50+ years and over that long, even 4% can run you dry if the markets drop early. Living off dividends C tier. It's nice because you get to live off the payouts and never touch your principal, but your tax on every dividend every year, even reinvested and those companies grow slower. Mathematically you'd come out ahead owning the index and selling a little when you need it. Winging it with no plan F tier. This is what most people actually do. They'll pull 7% in a good year when it feels great, then a crash hits and you're taking the same amount out of a much smaller pile. That's how people run out at 75. The guardrail strategy A tier, the one that nobody talks about and it's smart. You spend more in the good years and you tighten up in the bad ones because you react to the market instead of pulling the same number no matter what. You can even start above 4% and stay safe. The 3% rule S tier. At 3% your money survives anything, every crash, every bad decade in history. And usually you end up with more than you started. The rule says that you need 33 times what you spend in a year. Send this video to somebody who needs to start thinking about their retirement strategy. And if you like this kind of content, make sure to follow for more.