Doug chats with Mark Trautman (Mark’s Money Mind) about the relevance of The 4% Rule in modern retirement planning.  They explore whether it remains a solid “north star” for those in the accumulation phase or if it has become an outdated guideline that potentially hinders retirees from living their best lives.  Mark also shares his personal transition from a high-saver to a strategic retiree focused on decumulation & creating memory dividends.

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0:00 Introduction

1:12 Discovering & defining the 4% Rule

6:32 Mark’s portfolio & retirement strategy

12:46 Why 4% misses reality

19:13 Die With Zero & spending

26:52 Stress testing projections

31:41 Guardrails

35:06 Agile retirement planning

41:24 Mark’s Money Mind

47:02 Soundcheck – Travel