Optimal Living Daily - Personal Development and Self-Improvement 3809: If I Were Retiring Early Today by Jeremy Jacobson of Go Curry Cracker on Financial Freedom
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Nov 16, 2025 Jeremy Jacobson examines the viability of early retirement in today's economic climate. He discusses the enduring reliability of the 4% rule and how flexibility is key in planning. Jacobson emphasizes the importance of being cautious about retiring during market downturns and shares insights on managing emotional responses to portfolio declines. He advocates for lower early spending, geographic flexibility, and utilizing planning tools to navigate retirement successfully, underscoring the need for a disciplined approach.
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Concrete Drawdown Framework
- Plan on a 4% initial withdrawal rate adjusted for inflation as a baseline.
- Reduce spending early, minimize taxes and costs, and earn incidental income to preserve your portfolio.
4% Rule Proven Over History
- Historical data back to 1871 shows a 4% rule survived worst economic events with ~96% success.
- Adding Social Security further improves the plan's reliability.
Retirement Requires Optimism
- Retirement is an optimistic act that assumes the future won't be worse than historical worsts.
- If you expect worse-than-worst outcomes, delaying retirement is the prudent choice.