ChooseFI Logo

Mailbag: Spending Down to Zero, High Fee 401(k), Mini Retirements | Rachael Camp | Ep 485

In this episode: Spending down to zero, the ratcheting rule, the guardrails approach, high-fee 401(k)s, and mini-retirements.

This week, we are diving back into the listener mailbag with Rachael Camp to address the pressing questions our community has! Whether it’s curiosity about the concept of dying with zero, determining whether it is a good time to take a mini-retirement, or working with high-fee 401ks, Brad and Rachael tackle it all! Listen along as YOU, the community, dictate the conversation with your hot-button FI questions!

Rachael Camp:


  • 0:55 – Introduction
  • 1:38 – Spending Down to Zero
  • 10:15 – The Ratcheting Rule and The Guard Rails Approach
  • 20:38 – Flexible Spending Strategy
  • 27:01 – Does Everything Need to be Optimized?
  • 31:15 – High-Fee 401(k)s
  • 41:48 – Mini Retirement Considerations
  • 49:54 – Roth IRA Contributions and Faze Out Limits
  • 55:57 – Conclusion

Resources Mentioned In Today’s Episode:

Choose FI has partnered with CardRatings for our coverage of credit card products. Choose FI and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. American Express is a ChooseFI advertiser. Disclosures.
More To Explore
You Might Be Interested in...
Other episodes
Share This Post