WCI #325: What is the 4% Rule?
White Coat Investor Podcast
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How Much Do You Need to Keep Up With Inflation?
The right way to think about a pension is to subtract it from your need for retirement income. Even if you only need to spend $100,000 a year, you're going to need some sort of a portfolio. I would just assume a reasonable amount of returns and use 5% real in my long-term calculations.
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