The Safe Spending Rate and the Financial Independence Movement

The 4% rule is what you hear, which essentially says you can pull out 4% of your portfolio every single year. In theory, that's going to last you 30 plus years, now potentially into perpetuity. But for most normal people, it's just, hey, do I have some directional accuracy? Most people have none because all they hear is fear mongering, whether right wrong or not.

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