About this episode

Bill Bengen discusses the evolution of the 4% Rule and its implications for modern retirees.

Today, I'm honored to welcome Bill Bengen to the podcast. Bill is widely known as the father of the 4% Rule and as one of the most influential retirement-income researchers in history. His groundbreaking research transformed the way financial advisors and retirees think about generating sustainable income in retirement, and his work continues to shape retirement planning decades after its initial publication. Over the past 30 years, Bill has studied hundreds of historical retirement scenarios to better understand how retirees can spend confidently without the fear of running out of money. In his latest book, A Richer Retirement: Supercharging the 4% Rule to Spend More and Enjoy More , he challenges many assumptions people have about retirement spending and financial security. In our conversation, Bill addresses one of the biggest misconceptions about the 4% Rule, which was never intended to be a spending target for everyone, why inflation remains the greatest threat to retirement income, and how market valuations impact sustainable withdrawal rates. Bill also shares his views on diversification, annuities, retirement spending, and the common reasons retirees continue to…

People in this episode

Host: Casey Weade

Guest: Bill Bengen

Topics covered

• retirement planning
• 4% rule
• financial security
• sustainable income
• inflation
• market valuations

Keywords

• 4% rule
• retirement income
• financial advisors
• inflation
• diversification
• annuities
• retirement spending

Mentioned in this episode

Books & works: A Richer Retirement: Supercharging the 4% Rule to Spend More and Enjoy More

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