Your Money Guide on the Side

Ep 21 - How Much Can I Spend in Retirement? Why the 4% Rule Gets it Wrong


Listen Later

What if the most common retirement rule was never meant to be a rule at all?

In this episode, we unpack the origins, flaws, and overlooked nuances of the 4% rule—and why it might not be the best way to plan your financial future. From its fear-based beginnings to its rigid application in a dynamic world, Tyler breaks down 5 key reasons to rethink the 4% rule altogether.

You’ll learn:

Where the 4% rule actually came from (hint: worst-case scenario thinking)

What the Trinity Study really showed—and what most people ignore

How sequence of returns risk can silently wreck your plan

Why portfolio size and asset allocation matter far more than a static percentage

Smarter, more dynamic strategies to adjust year-by-year

If you’ve ever asked, "How much can I safely spend in retirement?"—this one’s for you.

📝 Leave a review if you enjoy the episode or send your thoughts to [email protected]. This show is for you, and we want it to be as good as it can be.

...more
View all episodesView all episodes
Download on the App Store

Your Money Guide on the SideBy Tyler Gardner

  • 4.9
  • 4.9
  • 4.9
  • 4.9
  • 4.9

4.9

581 ratings


More shows like Your Money Guide on the Side

View all
Money Guy Show by Brian Preston and Bo Hanson

Money Guy Show

3,170 Listeners

Sound Retirement Radio by Jason Parker

Sound Retirement Radio

436 Listeners

Your Money, Your Wealth by Joe Anderson, CFP® & Alan Clopine, CPA of Pure Financial Advisors

Your Money, Your Wealth

778 Listeners

The Stacking Benjamins Show by StackingBenjamins.com | Cumulus Podcast Network

The Stacking Benjamins Show

1,981 Listeners

Retirement Answer Man by Roger Whitney, CFP®, CIMA®, RMA, CPWA®

Retirement Answer Man

1,290 Listeners

Retirement Starts Today by Benjamin Brandt CFP®, RICP®

Retirement Starts Today

510 Listeners

ChooseFI by ChooseFI

ChooseFI

5,088 Listeners

Stay Wealthy Retirement Podcast by Taylor Schulte, CFP®

Stay Wealthy Retirement Podcast

600 Listeners

BiggerPockets Money Podcast by BiggerPockets

BiggerPockets Money Podcast

3,054 Listeners

Retire With Purpose - The Retirement Podcast by Casey Weade

Retire With Purpose - The Retirement Podcast

560 Listeners

Ready For Retirement by James Conole, CFP®

Ready For Retirement

792 Listeners

Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance) by Ari Taublieb, CFP®, MBA

Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)

36 Listeners

Personal Finance for Long-Term Investors - The Best Interest by Jesse Cramer

Personal Finance for Long-Term Investors - The Best Interest

113 Listeners

Retirement Planning Education, with Andy Panko by Andy Panko

Retirement Planning Education, with Andy Panko

735 Listeners

Market MakeHer Podcast by Jessica Inskip and Jessie DeNuit

Market MakeHer Podcast

157 Listeners