Retirement Archives

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Beyond 4%: The Argument For Flexible Spending Rules In Retirement

March 24, 2020

Michael Kitces recently conducted a study of the 4% rule to see if it holds true for longer time horizons. The William Bengen study that the 4% rule is based on didn’t test the 4% withdrawal rate on retirement periods of longer than 33 years. Yet many FIRE retirees may be in retirement for 40-50 years. We need to address flexible spending …

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Why You Should Look At Retirement As An Expense

September 12, 2019

Recently, the ChooseFI team received an email from Anders Skagerberg, a fee-only financial planner based in Salt Lake City. Anders describes himself as a “ChooseFI faithful” and says that he and his business partner, Brett, are always trying to motivate young people to get excited about financial independence. One of the strategies that Anders uses …

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Asset Allocation When You Plan To Retire Early

March 19, 2019

Asset allocation is fundamental to successful investing. We can think of it as being an essential part of Investing 101. But is asset allocation different for those on the path to early retirement? Absolutely. The retire early crowd (FIRE) has two primary objectives that the traditional retirement crowd doesn’t: Accumulate a large retirement portfolio as …

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How To Prepare For Drawdown During Early Retirement

February 25, 2019

We all know that we are great at building up our portfolio income in preparation for early retirement. But, most of us are so busy with our eye on the prize of a great retirement that we don’t really know what to do with it when it is finally here. Once we are at the …

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Starting Late But Retiring Rich: The Story Of Stephen And Becky

December 28, 2018

Becky and Stephen were latecomers to the ChooseFI way of life. Their situation is pretty rosy now with Stephen getting ready to retire at the end of December this year at the age of 63. At that time, he and wife Becky, 62, will uproot from their home in Houston, Texas to be closer to …

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Podcast Shownotes

Adjusting to Life After FI (Before You Get There) | Chris Terrell | Ep 439

Retirement

May 28, 2023

In this episode: success after FI, finding purpose, owning your time, investing in health, and spiritual pursuits.

Drawdown Strategies: Karsten vs. Fritz | Ep 427

Retirement

March 05, 2023

In this episode: the “average” withdrawal, Karsten’s strategy, Fritz’s strategy, fixed withdrawal rates, the bucket strategy, and refilling.

Glide Path to Retirement During Uncertainty | Ep 377

Retirement

May 16, 2022

In this week’s episode, Brad and Jonathan discuss different ways to retain a sense of control along the path to retirement during times of uncertainty.

The Four Backstops to the Four Percent Rule | Sean Mullaney | Ep 376

May 09, 2022

In this week’s episode, Brad and Jonathan welcome Sean Mullaney back onto the podcast to discuss the four backstops of the Four Percent Rule!

FI Number Adjustments | EP 367

March 07, 2022

In this week’s episode, Brad and Jonathan unpack the problems that lie within modern retirement calculations and provide examples of how you can work around these flaws. As opposed to focusing on income, maybe it is better to learn how much our lives cost us. Expenses appear and disappear as life goes on, it is …

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Tag: Retirement

Blog Articles

Podcast Shownotes