Hi Jan,
Episode 214 of our Retire With Style podcast is out now!
In this week’s episode of Retire With Style, Alex and I take a deeper look at where the 4% rule came from and why it doesn’t apply equally to everyone. We discuss how factors like inflation, market conditions, portfolio diversification, and retirement time horizon can meaningfully change what a sustainable withdrawal rate looks like in practice.
We also explore alternatives to fixed spending rules, including variable spending strategies and the use of buffer assets to provide flexibility during market downturns. In many cases, a more adaptive approach can support both financial security and a more comfortable retirement lifestyle without relying on a single rule of thumb.
If you’ve ever wondered whether you’re being too cautious or not cautious enough about how much you can spend in retirement, this episode will help frame that decision more clearly. Listen now to learn more!
| | | | The Retire With Style Podcast Has a New Home! | | | | We’re excited to share that all podcast episodes- past and present- are now available on our new site: RetireWithStyle.com. It’s your one-stop shop for catching up on episodes, watching video versions, and even submitting your own retirement questions for future shows.
You can also watch and subscribe to new video episodes on our YouTube channel, with fresh content every Wednesday.
Prefer to listen on your favorite podcast app? We’ve got you covered. You can still find Retire With Style on Apple Podcasts, Spotify, Podbean, Amazon Music, Audible, iHeart, TuneIn, and now YouTube Music.
| | | | Take a look around the new site and let us know what you think. Feel free to share with friends, and to reply here with any comments.
Thank you,
Wade Pfau, PhD, CFA, RICP
Founder of Retirement Researcher
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