How to Use a 4% Rule to Maximize Your Success

Using a 4% rule over all 40 year periods from 1926 to 2022 there's a 96.55% chance of success now if you use our rules with the discretionary where it's 50% you get a 98% chance ofsuccess right so basically the same chance of success over all 40year periods. You can now withdraw more but you have to have years where you cut back and that's just one example. The higher withdrawal rate really lowers the time to buy in financial independence world everyone's focused on when can i retire. If you want to retire early or hit kind of that fire number earlier you've often talked about some of the disorientation that came to you because of early retirement,