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The 4% Rule…Revised: How Much You Can REALLY Spend in Retirement

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Manage episode 520377042 series 2412204
Content provided by Scott Dougan. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by Scott Dougan or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://podcastplayer.com/legal.

💼 Want expert help in planning for your financial future?

Apply for a consultation here 👉 https://calendly.com/erg-kc/introductory-phone-call-with-erg

For decades, retirees have based their spending on a simple idea: “The 4% Rule.” But new research, and even the rule’s original creator, suggests you may be able to spend significantly more without increasing your risk. Scott shares what’s changed, what still matters, and how to customize your safe withdrawal rate based on your goals, tax situation, and lifestyle.

Here’s what we cover in this episode:

📜 Where It Started: the true history of the 4% rule

⚙️ What Changes the Math: market assumptions, inflation, and personal factors

🧩 Custom Strategies: why withdrawal rates must be tailored

🏛️ Legacy Decisions: how your goals shape your spending rate

🧭 Your Responsibility: modern retirement requires active planning

📞 Call us: 913-393-4724

🌐 Visit our podcast website: https://listentoscott.com/

📚🛠️ Check out Scott's book, Exceptional Retirement, and Retirement Toolkit

Download here 👉 https://keap.page/bu413/exceptional-retirement-youtube.html

🎥 Subscribe to our YouTube channel for more retirement insights!

🔔 http://youtube.com/@erg-kc?sub_confirmation=1

📰 Read our latest articles on Kiplinger:

https://www.kiplinger.com/author/scott-m-dougan-rfc-investment-adviser

📌 Follow us for expert retirement planning tips!

https://www.facebook.com/elevatedretirementgroupkc/

#retirement #retirementplanning

  continue reading

214 episodes

Artwork
iconShare
 
Manage episode 520377042 series 2412204
Content provided by Scott Dougan. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by Scott Dougan or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://podcastplayer.com/legal.

💼 Want expert help in planning for your financial future?

Apply for a consultation here 👉 https://calendly.com/erg-kc/introductory-phone-call-with-erg

For decades, retirees have based their spending on a simple idea: “The 4% Rule.” But new research, and even the rule’s original creator, suggests you may be able to spend significantly more without increasing your risk. Scott shares what’s changed, what still matters, and how to customize your safe withdrawal rate based on your goals, tax situation, and lifestyle.

Here’s what we cover in this episode:

📜 Where It Started: the true history of the 4% rule

⚙️ What Changes the Math: market assumptions, inflation, and personal factors

🧩 Custom Strategies: why withdrawal rates must be tailored

🏛️ Legacy Decisions: how your goals shape your spending rate

🧭 Your Responsibility: modern retirement requires active planning

📞 Call us: 913-393-4724

🌐 Visit our podcast website: https://listentoscott.com/

📚🛠️ Check out Scott's book, Exceptional Retirement, and Retirement Toolkit

Download here 👉 https://keap.page/bu413/exceptional-retirement-youtube.html

🎥 Subscribe to our YouTube channel for more retirement insights!

🔔 http://youtube.com/@erg-kc?sub_confirmation=1

📰 Read our latest articles on Kiplinger:

https://www.kiplinger.com/author/scott-m-dougan-rfc-investment-adviser

📌 Follow us for expert retirement planning tips!

https://www.facebook.com/elevatedretirementgroupkc/

#retirement #retirementplanning

  continue reading

214 episodes

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