4% Rule is Dead! How can I retire? 9 retirement scenarios.

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0:00 Disclaimer - this is Edutainment and not Financial Advice - The opinions expressed in the video are for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security or investment product. It is only intended to provide education about the financial industry
00:10 4% Rule in Doubt
02:04 4% Rule Invented in 1994
02:42 4% - Annual Income Required + Amount Needed
03:24 Average Family Spend Per Year
04:40 The 4 Levers Math Will Change the Way You Think
05:20 Avg Life Expectancy - Figure 80-85 Yrs
06:04 Problem #1: 4% Rule built when Treasury yields were 5%. Today, they’re under 0.5%.
06:40 How Much $1M Generates …. Under 4%
07:06 Problem #2: Reqd Balance for $50K p.a. Is $8M+
07:26 Problem #3: 60% of ALL WORKING-AGE individuals DO NOT own assets in retirement A/C
07:50 Problem #4: Median Balance is $40K
08:06 Problem #5: 80% have less than 1 Yr Salary Saved
08:15 Problem #6: Safe Withdrawal Rates based on 10 year Bond Yields
08:40 Inflation: Steve Henke Says Rubbish to Biden!
09:00 Theoretical Study
09:20 12:00 Scenario #1
$1M in Cash
Saving in Money Market
Mthly Spend $6250
Tax Rate 24%
Inflation Rate 6.1%

10:20 Scenario #2
$1M in Cash
Saving in Money Market
Mthly Spend $6250
Tax Rate 24%
Inflation Rate 10%

10:49 Scenario #3
$1M in Cash
Saving in Money Market
Mthly Spend $6250
Tax Rate 24%
Inflation Rate 15%

11:30 Scenario #4
Slash Spend
$1M in Cash
Saving in Money Market
Mthly Spend $3000
Tax Rate 24%
Inflation Rate 15%

12:05 Scenario #5
How much 30 yrs
$40M in Cash
Saving in Money Market
Mthly Spend $6250
Tax Rate 24%
Inflation Rate 10%

13:03 Scenario #6
How much 30 yrs
$1M in Cash
Saving in Celsius 8.8%
Mthly Spend $6250
Tax Rate 24%
Inflation Rate 10%

14:00 Scenario #7
All in Stock Market
$1M in Stock Market
Stock Mkt Return 15%
Mthly Spend $6250
Tax Rate 24%
Inflation Rate 10%

14:28 Scenario #8
85% Stk/15% BTC
$1M in Cash
Stock Mkt Return 15%
Bitcoin Return 33%
Blended Return
Mthly Spend $6250
Tax Rate 24%
Inflation Rate 10%

15:39 Scenario #9
85% Stk/15% BTC
$1M in Cash
Stock Mkt Return 15%
Bitcoin Return 46%
Blended Return
Mthly Spend $6250
Tax Rate 24%
Inflation Rate 15%

16:00 Conclusion

16:10 Takeaways for Financial Freedom & Retirement

Видео 4% Rule is Dead! How can I retire? 9 retirement scenarios. канала InvestAnswers