In this episode we talk about some recent unfavorable changes to Portfolio Visualizer, have a look at a new backtesting tool, and then get back at it with emails from James, Andrew, Phil and Frodo.  We discuss how flexible withdrawal strategies improve safe withdrawal rates and how we use them as a fail-safe or backstop to our 3-1-1 plan, options for financing buying a house, a funny Avengers video and transitioning grandma's 19-fund portfolio to something simpler and better.

Links:

Rob Berger Video re Portfolio Visualizer:  Navigating Portfolio Visualizer's New Design and a Free Alternative (youtube.com)

Testfol Backtester with A Sample Analysis:  testfol.io

Morningstar Report re Variable Withdrawal Strategies:  Six Retirement Withdrawal Strategies that Stretch Savings | Morningstar

Portfolio Charts Variable Withdrawal Calculator:  Retirement Spending – Portfolio Charts

Phil's Video:  Introducing NOW internet (youtube.com)

Big ERN Article Re Cederburg Paper:  100% Stocks for the Long Run? - Early Retirement Now

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