I probably need to read Bill Bengen’s book but I have a question about the 4% (or now 4.7%) Withdrawal Rule.
About Jesse Cramer
I’ll Inherit Big Money Someday. What Do I Change Now?
Don’t rely on inheritance, treat it as a scenario to revisit, and build flexibility into the financial plan.
Don’t rely on inheritance, treat it as a scenario to revisit, and build flexibility into the financial plan.
Spouses, Survivors, and Exes: Your Relationships Affect Social Security
Last weekend, the fantastic Rob Berger shared one of my Social Security articles with his audience.
Last weekend, the fantastic Rob Berger shared one of my Social Security articles with his audience.
Have You Answered George Kinder’s Questions?
Although Kinder’s work is diverse and profound, he’s best known for three deceptively simple questions. Simple, but powerful.
Although Kinder’s work is diverse and profound, he’s best known for three deceptively simple questions. Simple, but powerful.
Should the Higher-Earning Spouse Delay Social Security?
The surviving spouse may inherit the deceased spouse’s higher Social Security benefit, impacting the optimal claiming strategy.
The surviving spouse may inherit the deceased spouse’s higher Social Security benefit, impacting the optimal claiming strategy.
Planning for Your Healthcare Costs, to and Through Retirement
It might be worth defining some terms here, like premiums, deductibles, copays, and out-of-pocket maximums.
It might be worth defining some terms here, like premiums, deductibles, copays, and out-of-pocket maximums.
Your Only Retirement Constant Will Be Change (Turn, Turn, Turn)
Some of us retire at 70. Others at 40. But no matter your retirement age, your retirement will change over time.
Some of us retire at 70. Others at 40. But no matter your retirement age, your retirement will change over time.
Too Much in 401(K) and Tax-Deferred Accounts?
Take a “best guess” at what your “early years” of retirement will look like, and whether you’ll have an additional need for flexible dollars.
Take a “best guess” at what your “early years” of retirement will look like, and whether you’ll have an additional need for flexible dollars.
Too Much Risk? The 6 Components of Behavioral Loss Tolerance
Your ability to take risk is based on your capacity to withstand or recover from losses (either temporary or permanent).
Your ability to take risk is based on your capacity to withstand or recover from losses (either temporary or permanent).
Even Multi-Millionaires Can’t Get This Basic Idea Right
What’s possibly the best benefit of writing and podcasting to all of you? The best benefit of working with real-life clients?
What’s possibly the best benefit of writing and podcasting to all of you? The best benefit of working with real-life clients?
0% Capital Gains vs. Roth Conversions: How to Optimize in Your Financial Plan?
There is nuance to understanding if you should execute Roth conversions or intentionally realize capital gains using the limited “space” inside your annual taxes.
There is nuance to understanding if you should execute Roth conversions or intentionally realize capital gains using the limited “space” inside your annual taxes.
RMDs + Sequence Risk = Retirement Destruction?
Do required minimum distributions (RMDs) have a destructive synergy with the sequence of returns risk? Can this combo “sink your boat?”
Do required minimum distributions (RMDs) have a destructive synergy with the sequence of returns risk? Can this combo “sink your boat?”
RMDs + Sequence Risk = Retirement Destruction?
Poor investment returns early in retirement can permanently damage a retirement plan.
Poor investment returns early in retirement can permanently damage a retirement plan.
Stocks for Wealth, Bonds for Sanity
Stock returns cannot be relied upon in the short- or medium-term. We must use a more dependable, less volatile asset for those outlays.
Stock returns cannot be relied upon in the short- or medium-term. We must use a more dependable, less volatile asset for those outlays.
The Retiree’s Financial Decathlon
Train today for the functional life you want decades later.
Train today for the functional life you want decades later.
Your Retirement Withdrawal Order of Operations
Your ideal retirement withdrawal strategy will be a function of you and your unique circumstances.
Your ideal retirement withdrawal strategy will be a function of you and your unique circumstances.