Articles tagged with “4-percent-rule”
5 articles
Planning FIRE Without Social Security: The Conservative Approach for 2026
The SSA trust fund now depletes in 2032 — one year sooner than projected. DOGE cut 7,000+ SSA employees. Here's how FIRE investors should model Social Security in 2026 and beyond.
Dynamic Withdrawal Strategies: Spend More in Good Years, Cut Back in Downturns
Fixed 4% rule too rigid? Dynamic withdrawal strategies let FIRE retirees spend more in bull markets and cut back in downturns — boosting lifetime income by 10-25%.
Longevity Risk: How to Make Your FIRE Portfolio Last 50 Years
Longevity risk is the biggest threat to FIRE portfolios. Learn why the 3.9% rule is replacing the 4% rule, and 7 proven strategies to make your money last 50+ years.
The 4% Rule in 2026: Does It Still Work? (With Calculator)
Does the 4% safe withdrawal rate still work in 2026? Learn what experts say, when to adjust your rate, and how to calculate your FIRE number using the 4% rule.
Withdrawal Strategy Calculator Guide: How to Minimize Taxes and Maximize Retirement Income in 2026
Use our free withdrawal strategy calculator for tax-efficient retirement income. Learn the best 401k, IRA, Roth withdrawal order and Roth conversion ladder.