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Ep 25: Fuzzy Math, The 4% Rule and Social Security
Manage episode 364304475 series 3423688
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In this episode, we’re going to discuss the widely known 4% rule in the financial industry, which suggests that retirees can safely withdraw 4% from their portfolio annually, adjusted for inflation, without running out of money. Does this rule really work? We’ll shed light on how this rule has come under question in recent years due to market conditions and share why this may not be a reliable strategy.
We’ll also discuss why it is so important to be professionally guided through financial decisions during the retirement planning process and share a story of some clients who were not adequately guided on withdrawal strategies before working with Freedom Financial Group. After this, Toni and Tad will answer a recent listener question and share some things you need to be thinking about when it comes to Social Security. Join us as we discuss why professional feedback and having a comprehensive financial plan is so critical and how fuzzy math in retirement planning can be a real problem.
Here is some of what we’ll discuss in today’s show:
- What is the 4% rule in retirement planning and is it still relevant? (0:46)
- Why and when the premise of the 4% rule fell apart. (2:36)
- The importance of getting feedback on your current finances in retirement planning. (4:13)
- Listener question: Should I defer my Social Security? (7:00)
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