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Retirement Is Now Easier - Bye 4% Rule, Hello 5% Rule | Bill Bengen
Can you really retire comfortably with a 5% withdrawal rate? Financial researcher and author Bill Bengen—the creator of the legendary 4% rule—joins us to share why his latest research shows that 5% is the new 4%. In this interview, Bill explains how his thinking has evolved, what today’s retirees should know, and how you can plan smarter for a fulfilling, financially free retirement.
RESOURCES:
CHAPTERS
00:00 – Intro – Bill Bengen
01:53 – What is the 4% rule?
04:01 – The rise of the 4% rule
05:17 – Evolving to the 5% rule
06:59 – Over-saving and regret
08:45 – Advice for young savers
10:31 – Thoughts on the 8% rule
12:34 – Portfolio allocation in retirement
13:55 – Downsides of 3% withdrawal rate
14:28 – Bill's personal withdrawal strategy
15:55 – Natural increase in withdrawal rate
17:38 – How to take your foot off the gas
19:16 – Long-term investing advice
20:35 – New book details
22:22 – Andy’s 3 takeaways from the conversation
26:52 – Credits and closing quote
MKM RESOURCES:
MKM Coaching: Want 1-on-1 support with your family finance journey? Book a time with me today.
Make My Kid a Millionaire Course: Want to build generational wealth and happiness for your kid? Learn more about my course!
Coast FIRE Calculator: A free calculator to help you find out when you can slow down or stop investing for retirement.
Mortgage Payoff Calculator: A free calculator to help you see how fast you can become mortgage free.
YouTube: Subscribe for free to watch videos of these episodes and interviews.
RECOMMENDED RESOURCES (SPONSORS AND AFFILIATES):
Monarch Money - Best Budget App for Families & Couples
Empower - Free Portfolio Tracker
Crew - HYSA Banking Built for Families - Get an Extra 0.5% APY with my partner link
Ethos - Affordable Term Life Insurance
Trust & Will - Convenient Estate Planning
HOW WE MAKE MONEY + DISCLAIMER:
CREDITS:
Learn more about your ad choices. Visit megaphone.fm/adchoices
View all episodes
By Andy Hill
4.9
587587 ratings
Can you really retire comfortably with a 5% withdrawal rate? Financial researcher and author Bill Bengen—the creator of the legendary 4% rule—joins us to share why his latest research shows that 5% is the new 4%. In this interview, Bill explains how his thinking has evolved, what today’s retirees should know, and how you can plan smarter for a fulfilling, financially free retirement.
RESOURCES:
CHAPTERS
00:00 – Intro – Bill Bengen
01:53 – What is the 4% rule?
04:01 – The rise of the 4% rule
05:17 – Evolving to the 5% rule
06:59 – Over-saving and regret
08:45 – Advice for young savers
10:31 – Thoughts on the 8% rule
12:34 – Portfolio allocation in retirement
13:55 – Downsides of 3% withdrawal rate
14:28 – Bill's personal withdrawal strategy
15:55 – Natural increase in withdrawal rate
17:38 – How to take your foot off the gas
19:16 – Long-term investing advice
20:35 – New book details
22:22 – Andy’s 3 takeaways from the conversation
26:52 – Credits and closing quote
MKM RESOURCES:
MKM Coaching: Want 1-on-1 support with your family finance journey? Book a time with me today.
Make My Kid a Millionaire Course: Want to build generational wealth and happiness for your kid? Learn more about my course!
Coast FIRE Calculator: A free calculator to help you find out when you can slow down or stop investing for retirement.
Mortgage Payoff Calculator: A free calculator to help you see how fast you can become mortgage free.
YouTube: Subscribe for free to watch videos of these episodes and interviews.
RECOMMENDED RESOURCES (SPONSORS AND AFFILIATES):
Monarch Money - Best Budget App for Families & Couples
Empower - Free Portfolio Tracker
Crew - HYSA Banking Built for Families - Get an Extra 0.5% APY with my partner link
Ethos - Affordable Term Life Insurance
Trust & Will - Convenient Estate Planning
HOW WE MAKE MONEY + DISCLAIMER:
CREDITS:
Learn more about your ad choices. Visit megaphone.fm/adchoices
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