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Ask Paula: What’s the Point of Financial Independence if I’m Not Going to Retire?
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The Four % Rule
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The four % rule was created through an analysis of, as joe said, a 50 50 stock bond split in a retirement portfolio over the span of 30 years. It is the notion that if a person retires, they can draw down four % of their portfolio per year, adjusted for inflation. That doesn't mean it's not applicable to people who do want to retire early. But i think he makes a good point that the dynamic spending plan, depending on how things are going, is a really important thing if you're trying to live for 50 years on your money.
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