447 | Mailbag: Breaking up with your Advisor, I Bonds, 4% Rule, Accounts for Kids, Roth IRAs | Sean Mullaney
ChooseFI
The 4% Rule for Financial Independence
The 4% rule comes from testing that was done in the 1990s around a financial asset portfolio surviving for 30 years. Now, if you're 25 years old or even 35 years old, 30 years probably isn't good enough,. Your life expectancy is almost certainly more than 30 years. If I only spent 4% as long as I'm alive, I'm just going to be growing the pie.
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