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I call malarkey - inflation is NOT lower in retirement. Lets debate...
I often hear "you spend less" in retirement. For that, I agree. But that REALLY means you "consume less" in retirement. I think far too many people confuse it with "inflation is lower because my personal expenses don't go up by as much". That is a change/reduction in consumption; it is NOT a reduction in inflation. I suspect prices for the same basket an average RETIREE would buy go up MORE than the basket of goods for a non-retiree. So here is the mix-up and why I think retirees and those plann...
Does anyone else thinks we should adopt the 30x rules instead of 25x?
Given newer research on retirement sustainability—especially work incorporating sequence-of-returns risk (SORR), longerFI horizons, and updated return assumptions such as those discussed in recent analyses of Karsten (ERN) and others —the traditional 25× rule (4% rule) should be rounded up to the \*\*30× rule\*\*. It effectively lowers the withdrawal rate to about 3.333%, which meaningfully improves resilience against early negative market sequences and extends portfolio durability for early ret...
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I call malarkey - inflation is NOT lower in retirement. Lets debate...
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