In this episode we answer an email from Jeffrey about the "4% Rule".  We discuss its origins, its three parameters (portfolio construction, time frame, and withdrawal mechanism), how it works, what it means and doesn't mean, its uses and misuses and how to make adjustments to improve your own outcomes.

And THEN we our go through our weekly portfolio reviews of the seven sample portfolios you can find at Portfolios | Risk Parity Radio.   We have a rebalancing of the Levered Golden Ratio portfolio.

Additional links:

Bill Bengen's Original 1994 Safe Withdrawal Rate Paper:  FPA Journal - The Best of 25 Years: Determining Withdrawal Rates Using Historical Data (financialplanningassociation.org)

2022 Morningstar Report on Withdrawal Strategies:  Six Retirement Withdrawal Strategies that Stretch Savings | Morningstar

Risk Savvy Video Lecture:  Risk Savvy: How to Make Good Decisions - YouTube

Bias-Variance Dilemma Dartboard Explanation (also listen to Episode 49 of this podcast):  WTF is the Bias-Variance Tradeoff? (Infographic) (elitedatascience.com)

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