The Trinity Study

A lot of people point to the trinity study an then they say, while the four % rule is very safe, it has a 98 % a success rate. But if you look at not just these unconditional trinity study results, but also do some conditioning on a to factor in that we have very expensive equity valuations. Then also, this is one of my favorite pet peeves, is not understanding a percentage calculation. Because imagine you have a two million dollar nest egg, and then going from 3% or 4% means you go from 60 thousand dollars a year to 80k per year. That's 33%. So don't get too offended by somebody doing some more careful and robust

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