{"items":[{"title":"Does the 4% Rule Work for Early Retirees?","url":"https:\/\/choosefi.com\/retirement-withdrawal-strategies\/early-retirement-4-percent-rule","image":"https:\/\/cdn.choosefi.com\/media\/images\/featured\/ae77bf59-3a28-4cfa-b7fe-68a6ca049e4b.png","date_published":"2025-07-17T20:00:00+00:00","content_text":"Planning to retire in your 30s or 40s? The traditional 4% rule was built for a 30-year retirement \u2014 but what if your horizon is 50 years or more?\nKarsten Jeske (Big Ern) tackles a key question from a reader: \u201cDoes the 4% rule still work for early retirees with longer time horizons?\u201d Using decades of market data and his signature rigorous analysis, Karsten breaks down what safe withdrawal rates really look like for early retirement and how to adjust your strategy to avoid running out of money \u2014 even over half a century.\n\ud83d\udca1 Key insight: You don\u2019t need to double your savings for a 50-year retirement \u2014 but you do need a smarter plan.","summary":"Planning to retire in your 30s or 40s? The traditional 4% rule was built for a 30-year retirement \u2014 but what if your horizon is 50 years or more?\nKarsten Jeske (Big Ern) tackles a key question from a reader: \u201cDoes the 4% rule still work for early retirees with longer time horizons?\u201d Using decades of market data and his signature rigorous analysis, Karsten breaks down what safe withdrawal rates really look like for early retirement and how to adjust your strategy to avoid running out of money \u2014 even over half a century.\n\ud83d\udca1 Key insight: You don\u2019t need to double your savings for a 50-year retirement \u2014 but you do need a smarter plan."},{"title":"Maxed Out Your Roth IRA, 401(k), and HSA? Do This","url":"https:\/\/choosefi.com\/how-to-invest-money\/best-investment-strategy-after-maxing-accounts","image":"https:\/\/cdn.choosefi.com\/ai-generated\/1d28d8da-1603-4476-a205-96134701186d.png","date_published":"2025-06-08T20:00:00+00:00","content_text":"Already maxed out your Roth IRA, 401(k), and HSA? Kelley wants to know what strategies can help her invest smarter and reach Financial Independence faster\u2014beyond the basics. We break down next steps, tax-efficient tactics, and more.","summary":"Already maxed out your Roth IRA, 401(k), and HSA? Kelley wants to know what strategies can help her invest smarter and reach Financial Independence faster\u2014beyond the basics. We break down next steps, tax-efficient tactics, and more."}]}