Want financial freedom through real estate investing? Then the BiggerPockets Real Estate Podcast is for you. Sit down every Monday, Wednesday, and Friday with Dave Meyer, the Head of Real Estate at BiggerPockets, as he uncovers tried and true tactics and shares candid conversations with real estate investors who are building wealth in today’s market. Join Dave to walk through deals that went right (and wrong) and learn the strategies you can deploy—start growing your side income today to tak ...
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Content provided by BiggerPockets. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by BiggerPockets or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://ppacc.player.fm/legal.
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The 4% “Rule” is Wrong for FIRE—Here’s a Better Alternative
Manage episode 480909573 series 2566047
Content provided by BiggerPockets. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by BiggerPockets or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://ppacc.player.fm/legal.
For decades, the 4% rule has been the calculation every FIRE chaser has used to determine when they can retire early—risk-free. The math is simple: have a portfolio big enough to withdraw 4% per year to fund your lifestyle. But there’s one BIG problem with the 4% rule that nobody is talking about—a problem that could force you to work longer, ruin your retirement lifestyle, and put your portfolio in jeopardy if you don’t plan carefully. Tyler Gardner, former portfolio manager and financial advisor, is back on the show to share why much of the FIRE community may be wrong about this “rule.”
Scared of not having enough to retire, retiring during a market crash, or being forced to be frugal once you leave the workforce? That’s precisely what we’re talking about in today’s episode. The 4% rule has become untouchable within the FIRE movement, but its hard-and-fast downsides may lead to your FIRE’s demise.
Tyler shares what he thinks is the ultimate FIRE portfolio allocation, why he’s way more bullish on stocks and index funds than bonds, EVEN during retirement, and why target date retirement funds—often scoffed at—can actually help protect your portfolio once you FIRE. If you’re planning on retiring early with the 4% rule, think again. All of us have our doubts, and we’re sharing them today.
In This Episode We Cover
Why the 4% “rule” is WRONG for most FIRE chasers, and why withdrawing only 4% could be a mistake
The new (updated!) FIRE number that most people should be chasing
Hate your job and want to retire early? Here’s why you should find a better career (NOT quit) instead
The ultimate FIRE portfolio allocation and why a target date retirement fund actually makes sense for many
And So Much More!
Links from the Show
Listen to All Your Favorite BiggerPockets Podcasts in One Place
Email Mindy: [email protected]
Email Scott: [email protected]
BiggerPockets Money Facebook Group
Follow BiggerPockets Money on Instagram
“Like” BiggerPockets Money on Facebook
Subscribe to the BiggerPockets Money YouTube Channel!
Connect with Tyler on Instagram
Your Money Guide on the Side Podcast
Want to FIRE in 2025? How to Prepare for Early Retirement w/Emma von Weise
Maximize Your Real Estate Investing with a Self-Directed IRA from Equity Trust
Get to FIRE Faster with “Set for Life”
Sign Up for the BiggerPockets Money Newsletter
Find an Investor-Friendly Agent in Your Area
(00:00) Intro
(02:05) Is the 4% Rule Wrong?
(06:05) This Saves Your FIRE
(10:09) “One More Year” Syndrome
(14:33) Healthcare in Early Retirement
(16:34) Ultimate FIRE Portfolio Allocation
(24:29) Include Real Estate?
(29:49) Target Date Retirement Funds
(36:25) Don’t Quit Working?
(54:30) Find a Job You LOVE
(57:02) Connect with Tyler!
(58:30) FIRE Chasers Are Wrong!
Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-637
Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email [email protected]
Learn more about your ad choices. Visit megaphone.fm/adchoices
649 episodes
Share
Manage episode 480909573 series 2566047
Content provided by BiggerPockets. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by BiggerPockets or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://ppacc.player.fm/legal.
For decades, the 4% rule has been the calculation every FIRE chaser has used to determine when they can retire early—risk-free. The math is simple: have a portfolio big enough to withdraw 4% per year to fund your lifestyle. But there’s one BIG problem with the 4% rule that nobody is talking about—a problem that could force you to work longer, ruin your retirement lifestyle, and put your portfolio in jeopardy if you don’t plan carefully. Tyler Gardner, former portfolio manager and financial advisor, is back on the show to share why much of the FIRE community may be wrong about this “rule.”
Scared of not having enough to retire, retiring during a market crash, or being forced to be frugal once you leave the workforce? That’s precisely what we’re talking about in today’s episode. The 4% rule has become untouchable within the FIRE movement, but its hard-and-fast downsides may lead to your FIRE’s demise.
Tyler shares what he thinks is the ultimate FIRE portfolio allocation, why he’s way more bullish on stocks and index funds than bonds, EVEN during retirement, and why target date retirement funds—often scoffed at—can actually help protect your portfolio once you FIRE. If you’re planning on retiring early with the 4% rule, think again. All of us have our doubts, and we’re sharing them today.
In This Episode We Cover
Why the 4% “rule” is WRONG for most FIRE chasers, and why withdrawing only 4% could be a mistake
The new (updated!) FIRE number that most people should be chasing
Hate your job and want to retire early? Here’s why you should find a better career (NOT quit) instead
The ultimate FIRE portfolio allocation and why a target date retirement fund actually makes sense for many
And So Much More!
Links from the Show
Listen to All Your Favorite BiggerPockets Podcasts in One Place
Email Mindy: [email protected]
Email Scott: [email protected]
BiggerPockets Money Facebook Group
Follow BiggerPockets Money on Instagram
“Like” BiggerPockets Money on Facebook
Subscribe to the BiggerPockets Money YouTube Channel!
Connect with Tyler on Instagram
Your Money Guide on the Side Podcast
Want to FIRE in 2025? How to Prepare for Early Retirement w/Emma von Weise
Maximize Your Real Estate Investing with a Self-Directed IRA from Equity Trust
Get to FIRE Faster with “Set for Life”
Sign Up for the BiggerPockets Money Newsletter
Find an Investor-Friendly Agent in Your Area
(00:00) Intro
(02:05) Is the 4% Rule Wrong?
(06:05) This Saves Your FIRE
(10:09) “One More Year” Syndrome
(14:33) Healthcare in Early Retirement
(16:34) Ultimate FIRE Portfolio Allocation
(24:29) Include Real Estate?
(29:49) Target Date Retirement Funds
(36:25) Don’t Quit Working?
(54:30) Find a Job You LOVE
(57:02) Connect with Tyler!
(58:30) FIRE Chasers Are Wrong!
Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-637
Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email [email protected]
Learn more about your ad choices. Visit megaphone.fm/adchoices
649 episodes
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Similar to BiggerPockets Money Podcast
Want financial freedom through real estate investing? Then the BiggerPockets Real Estate Podcast is for you. Sit down every Monday, Wednesday, and Friday with Dave Meyer, the Head of Real Estate at BiggerPockets, as he uncovers tried and true tactics and shares candid conversations with real estate investors who are building wealth in today’s market. Join Dave to walk through deals that went right (and wrong) and learn the strategies you can deploy—start growing your side income today to tak ...
…
continue reading
The show that helps you maximize your wealth by turning complex financial situations into actionable advice. On Your Money. Your Mission., we answer the questions you’ve been asking about -- financial planning, investing, retirement and everything in between. Whether you’re navigating the complexities of the market or looking for the best ways to save or spend your money, tune in to hear from experienced financial advisors with JFG. Walk away from each episode with savvy tips and financial t ...
…
continue reading
Motley Fool Money is a daily podcast for stock investors. Weekday episodes offer a long-term perspective on business news with The Motley Fool's investment analysts. Weekend shows are a mix of investing classes and longer-form interviews. The show is hosted by Dylan Lewis, Ricky Mulvey, and Mary Long.
…
continue reading
Millionaire University is on a mission to help you build wealth, achieve financial freedom, and create a business that supports the life you want. We reveal proven strategies for business growth, personal finance, and investing—teaching you how to increase your income, build passive revenue streams, and take control of your money. You will learn how to start and scale a business, make smarter financial decisions, and build lasting wealth—all while creating a life of impact and fulfillment. G ...
…
continue reading
Paisa Vaisa is India's premier podcast on personal finance, boasting over 4 million downloads, featuring over 200 hours of insightful content and discussions, hosting more than 250 guests, and presenting a wealth of knowledge through over 450 episodes. Since 2017, Paisa Vaisa hosts experts from mutual funds, stocks, real estate, loans, education financing, insurance, and much more. It has recently introduced a sub-series offering valuable insights in businesses and entrepreneurship. You can ...
…
continue reading
Joshua J Sheats, MSFS, CFP, CLU, ChFC, CASL, CAP, RHU, REBC is a financial planner who teaches people how to live a rich life now while building a plan for financial freedom in 10 years or less. He mixes creative approaches to lifestyle design, deep-dive financial planning techniques, and hard-core business strategy to equip you with the knowledge and inspiration you need to build financial independence.
…
continue reading
Named the Best Personal Finance Podcast by Bankrate.com and Kiplinger, The Stacking Benjamins Show features a light and friendly tone. Hosts Joe Saul-Sehy and OG aim to make financial literacy fun for all as they sit around the card table in Joe's Mom's half-finished basement and talk with experts about personal finance, saving, investing, and important money trends. As Fast Company once wrote, the Stacking Benjamins podcast "strikes a great balance of fun and functional." So join Joe and OG ...
…
continue reading
The Partnership Economy explores the power of partnerships through candid conversations and stories with industry leaders. Our hosts, David A. Yovanno, CEO and Todd Crawford, Co-founder, of impact.com, unpack the future of partnerships as a lever for scale and an opportunity to put the consumer first.
…
continue reading
A weekly roundup of the most important stories from the worlds of business and finance, hosted by Felix Salmon. Want more Slate Money? Subscribe to Slate Plus to unlock weekly bonus episodes. Plus, you’ll access ad-free listening across all your favorite Slate podcasts. Subscribe now on Apple Podcasts by clicking “Try Free” at the top of our show page. Or, visit https://slate.com/moneyplus to get access wherever you listen.
…
continue reading
Chat With Traders is your key to the minds of trading's elite performers. Start listening to learn how a diverse mix of traders went from zero to hero, how they successfully trade markets today, and get their best tips 'n pointers for profitable performance, plus much more. Note: You are responsible for your own trading decisions—this is not financial advice.
…
continue reading
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