WELCOME to the OFFICIAL episode 63!  I was jumping ahead of myself last week when I thought I was recording 63, but in fact that was episode 62.

Las week we talked about cash flow and budgeting, and how that sets the framework for one of the core assumptions for your retirement planning.

Today, we are going to dive into how your cash flow needs impacts your rate of withdrawal,  and ultimately how you should be giving yourself “raises” in retirement.

We’ll walk through the revolutionary study by Bill Bengen and his 4% rule.  We’ll also walk through some of the downsides of the 4% rule, and ultimately how this dovetailed into Guyton and Klinger’s “Guardrail” study.  

We’ll walk through the 4 different “Decision Rules” from the Guardrail study which creates the framework of what a safe rate of withdrawal is for your retirement and ultimately when you should give yourself a raise from your investment portfolio.  

I’ll also touch on a couple of news stories that are relevant related to:

1. DeepSeek and the selloff of Nvidia last week.
2. Deferred Resignation Program (Federal Government’s buyout program) and how this impacts Federal employees.

I hope you enjoy this episode!  

If you are interested in working with us on your retirement income plan, start by filling out our Retirement Readiness Questionnaire linked below.  And make sure to check out our YouTube channel so you can follow along with our Whiteboard Fireside Chats and fun retirement meme videos 😊.

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This is for general education purposes only and should not be considered as tax, legal or investment advice.