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Why I’m Not Following the 4% Rule (And What I’m Doing Instead)
In the FIRE (Financial Independence, Retire Early) world, the 4% rule is treated like gospel. But what if that rule doesn’t fit your life? In this episode, I share why I’m choosing to challenge the conventional wisdom and take a more flexible approach to early retirement.
I break down what the 4% rule is, why it was created, and why I’ve decided it doesn’t serve me. From my plans to retire at 41 to my belief in balancing time, energy, and money — this episode dives into how I’m shaping my financial path based on my life, not someone else’s model.
Whether you're planning to follow the rule to the letter, tweak it like I do, or throw it out completely, this episode is a reminder that personal finance should be personal. You’ll also hear how I’m building optionality into my life through a low-cost lifestyle, flexible work plans, and keeping an eye on the market.
If you’ve ever questioned the “rules” of FIRE, or you’re dreaming of a life with more freedom, less pressure, and a bit of barista work mixed in — this is for you.
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By One Step WealthierIn the FIRE (Financial Independence, Retire Early) world, the 4% rule is treated like gospel. But what if that rule doesn’t fit your life? In this episode, I share why I’m choosing to challenge the conventional wisdom and take a more flexible approach to early retirement.
I break down what the 4% rule is, why it was created, and why I’ve decided it doesn’t serve me. From my plans to retire at 41 to my belief in balancing time, energy, and money — this episode dives into how I’m shaping my financial path based on my life, not someone else’s model.
Whether you're planning to follow the rule to the letter, tweak it like I do, or throw it out completely, this episode is a reminder that personal finance should be personal. You’ll also hear how I’m building optionality into my life through a low-cost lifestyle, flexible work plans, and keeping an eye on the market.
If you’ve ever questioned the “rules” of FIRE, or you’re dreaming of a life with more freedom, less pressure, and a bit of barista work mixed in — this is for you.