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Using the method, someone who retires today with a $1 million portfolio with 40% in stocks and 60% in bonds would spend no more than $40,000 in 2024 from that portfolio. Assuming inflation rises 3% next year, the investor would give himself a raise to $41,200 in 2025, regardless of the market’s performance.

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Originally posted by JEWELSTAITEFAN:
When was the rule not 4%?

When the market was growing, the % rule was less? When Bidenflation is highest, the % Rule is greatest?

So, when the world is flourishing, starve. And when the world is on fire and in shambles, spend like crazy?

Is that financially sound advice?

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