Join the Co-Investing Club and start building passive income through real estate: https://sparkrental.com/co-investing-club

Stop thinking about retirement, start thinking about financial independence. In this episode, Brian and Deni tear apart outdated retirement advice that financial planners have been repeating for decades.

We debunk:

→ The 60/40 portfolio allocation (and why bonds don't work like they used to)

→ The dangerous "Rule of 100" for asset allocation

→ The 4% safe withdrawal rule, even its creator says it's outdated

→ The 80% spending rule that assumes you'll spend less in retirement

→ Why Social Security won't cover 40% of your expenses anymore

→ The myth that you should sell all your real estate before retiring

We also cover:

→ What Coast FI means and how it can change your career decisions

→ Warren Buffett's 90/10 portfolio allocation strategy

→ How sequence of returns risk affects early retirees

→ Why Bill Bengen now recommends a 5% withdrawal rate

→ Building passive income streams that last through retirement

Whether you're 30 or 60, this episode will reshape how you think about building wealth and reaching financial freedom.

New to passive real estate investing? Take our free course: https://sparkrental.com/free

Other resources mentioned:

→ 90/10 Portfolio Study: https://blog.iese.edu/jestrada/files/2017/01/Buffett-AA-Global.pdf

→ Bill Bengen Debunking the 4% Rule: https://www.youtube.com/watch?v=gQqcKepuQdA&pp=0gcJCfwAo7VqN5tD

Questions or feedback? Email us: [email protected]

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