Bengen's 2025 research drops the safe withdrawal rate to 4.2% for a 50-year retirement, undercutting the standard 4% rule for anyone retiring at 55.
Retiring at 55 forces a full decade of self-funded healthcare before Medicare at 65, a cost the original 4% rule never accounted for.
BLS data shows household spending peaks between ages 45 and 54, meaning early retirees exit income at their highest-spending years, not during natural tapering.
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The 4% withdrawal rule has been a fixture of retirement planning for three decades and for good reason. It is simple, intuitive, and, for the right retiree, it can and has worked well. The challenge is that it was never designed for someone who would stop working at 55.
#spending
Retiring at 55 forces a full decade of self-funded healthcare before Medicare at 65, a cost the original 4% rule never accounted for.
BLS data shows household spending peaks between ages 45 and 54, meaning early retirees exit income at their highest-spending years, not during natural tapering.
Don't wait: the ******* yst who called NVIDIA in 2010 just revealed his top 10 AI stocks. See the full list FREE now.
The 4% withdrawal rule has been a fixture of retirement planning for three decades and for good reason. It is simple, intuitive, and, for the right retiree, it can and has worked well. The challenge is that it was never designed for someone who would stop working at 55.
#spending
3 days ago
