DarthRebel

It has been 30 years since 4% rule became a talking point. Times are different.

4% rule is OK to follow, but it is just one of many thoughts.

https://savepointfinance.com/blog/4-percent-rule-2026-latest-research

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Morningstar's State of Retirement Income 2025 report takes a different approach. Instead of looking backward at history, they use forward-looking projections based on current bond yields, equity valuations, and inflation expectations.

Their conclusion: new retirees in 2026 should use a 3.9% withdrawal rate. This more conservative figure reflects lower expected returns compared to historical averages

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Charles Schwab's analysis supports this, suggesting 5.4% to 6% is sustainable for retirees with 20-year horizons who maintain spending flexibility.

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Vandy grad cannot find job. Trumps Economy :lol:

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Only use a debit card. No credit cards allowed.

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That is horrible advice :lol:

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Happy 4th and 25

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This is basically all Arkansas has left :cheers:

Having been to Llano, she would stand out just a little bit :lol:

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Fathers stopped teaching daughters their role as women and started treating them like princesses and young men started putting them on a pedestal rather than in their place

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That is kind of scary some of you think that way.

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The last hour or two was quite the ride.

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It was something. Market has developed female emotions at this point :lol:

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Thought we wuz broke n shite

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You are, look at cost vs. Time frame

Good.

The quicker Europe realizes they are not the center of the world, the better. Mother Earth is basically under the control of USA, Russia and China. You could also simply expand it to continents, with North America and Asia being the only two continents that matter. Europe has become the same level as Africa and South America.

He just rolls to whatever is "hot" right now.