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Transcript:
Here’s a slap for the financial planning industry that insists on using rules of thumb, specifically the 4% and 60-40 rules.
One of the things that really frosts me about this business is these “set and forget” tools. The idea that one number will serve you throughout your entire retirement is absurd.
Take the 4% rule first, which states you should withdraw 4% of your nest egg each year in retirement.
It puts such a crimp on our money lives in retirement when we could be enjoying other things. It’s just too restrictive. Plus, it’s based on numbers from the four worst years …read more […]
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