About this episode

Tom and Don discuss safe spending rates from retirement portfolios and answer a listener's investment allocation question.

Tom and Don tackle one of retirement’s hardest questions: how much can you safely spend from your portfolio without blowing up the rest of your life? They walk through the familiar 4% rule, flexible withdrawal strategies, why a flat 10% withdrawal is usually fantasyland, and why the “right” spending rate depends heavily on your age, timeline, and tolerance for adjusting in bad markets. They also answer a listener question about a 22-year-old’s investment allocation and close with a timely dis...

People in this episode

Host: Don McDonald

Guest: Tom

Topics covered

• withdrawal rate
• retirement planning
• investment strategies
• financial independence
• market adjustments

Keywords

• withdrawal rate
• 4% rule
• retirement
• investment allocation
• financial planning

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