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WCI #246: Early Retirement Now

White Coat Investor Podcast

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Are You Using a Two % Safe Withdrawal Rate?

Back in two thousand 18, we looked at our networth and how much we expect in future cash flows. I think i calculated something like a three point five % safe withdrawal rate. And then now, as i said in the beginning, a portfolio has grown by 70%. So my personal retirement planning has now shifted from managing the risk of run out of money to almost manage the risk of over accumulationht. But again, i'm a little bit worried about the people that, just because of the recent run up, they just make it to something that looks like a reasonableirement. How are they going to manage the next ten, 20, 30 years?

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