Each week Doug Hoyes talks to industry experts about debt, money, and personal finance. Don't be confused; listen as the guest experts cut through the jargon and share practical advice.
…
continue reading
Content provided by Andy Hill. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by Andy Hill 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://player.fm/legal.
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Retirement Is Now Easier - Bye 4% Rule, Hello 5% Rule | Bill Bengen
Manage episode 475795048 series 2280728
Content provided by Andy Hill. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by Andy Hill 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://player.fm/legal.
Can you really retire comfortably with a 5% withdrawal rate? Financial researcher and author Bill Bengen—the creator of the legendary 4% rule—joins us to share why his latest research shows that 5% is the new 4%. In this interview, Bill explains how his thinking has evolved, what today’s retirees should know, and how you can plan smarter for a fulfilling, financially free retirement.
RESOURCES:
- Sponsors + Partners + Deals
- A Richer Retirement (book): https://amzn.to/4iWzaVJ (affiliate)
CHAPTERS
00:00 – Intro – Bill Bengen
01:53 – What is the 4% rule?
04:01 – The rise of the 4% rule
05:17 – Evolving to the 5% rule
06:59 – Over-saving and regret
08:45 – Advice for young savers
10:31 – Thoughts on the 8% rule
12:34 – Portfolio allocation in retirement
13:55 – Downsides of 3% withdrawal rate
14:28 – Bill's personal withdrawal strategy
15:55 – Natural increase in withdrawal rate
17:38 – How to take your foot off the gas
19:16 – Long-term investing advice
20:35 – New book details
22:22 – Andy’s 3 takeaways from the conversation
26:52 – Credits and closing quote
MKM RESOURCES:
- MKM Coaching: Want 1-on-1 support with your family finance journey? Book a time with me today.
- Make My Kid a Millionaire Course: Want to build generational wealth and happiness for your kid? Learn more about my course!
- Coast FIRE Calculator: A free calculator to help you find out when you can slow down or stop investing for retirement.
- Mortgage Payoff Calculator: A free calculator to help you see how fast you can become mortgage free.
- YouTube: Subscribe for free to watch videos of these episodes and interviews.
RECOMMENDED RESOURCES (SPONSORS AND AFFILIATES):
- Monarch Money - Best Budget App for Families & Couples
- Empower - Free Portfolio Tracker
- Crew - HYSA Banking Built for Families - Get an Extra 0.5% APY with my partner link
- Ethos - Affordable Term Life Insurance
- Trust & Will - Convenient Estate Planning
HOW WE MAKE MONEY + DISCLAIMER:
- This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products.
- Opinions are the creators alone.
- Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice.
- Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com.
CREDITS:
- Podcast Artwork: Kayli Groves
- Editor: Johnny Sohl
- Podcast Support: Nev Maraj
Learn more about your ad choices. Visit megaphone.fm/adchoices
618 episodes
Share
Manage episode 475795048 series 2280728
Content provided by Andy Hill. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by Andy Hill 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://player.fm/legal.
Can you really retire comfortably with a 5% withdrawal rate? Financial researcher and author Bill Bengen—the creator of the legendary 4% rule—joins us to share why his latest research shows that 5% is the new 4%. In this interview, Bill explains how his thinking has evolved, what today’s retirees should know, and how you can plan smarter for a fulfilling, financially free retirement.
RESOURCES:
- Sponsors + Partners + Deals
- A Richer Retirement (book): https://amzn.to/4iWzaVJ (affiliate)
CHAPTERS
00:00 – Intro – Bill Bengen
01:53 – What is the 4% rule?
04:01 – The rise of the 4% rule
05:17 – Evolving to the 5% rule
06:59 – Over-saving and regret
08:45 – Advice for young savers
10:31 – Thoughts on the 8% rule
12:34 – Portfolio allocation in retirement
13:55 – Downsides of 3% withdrawal rate
14:28 – Bill's personal withdrawal strategy
15:55 – Natural increase in withdrawal rate
17:38 – How to take your foot off the gas
19:16 – Long-term investing advice
20:35 – New book details
22:22 – Andy’s 3 takeaways from the conversation
26:52 – Credits and closing quote
MKM RESOURCES:
- MKM Coaching: Want 1-on-1 support with your family finance journey? Book a time with me today.
- Make My Kid a Millionaire Course: Want to build generational wealth and happiness for your kid? Learn more about my course!
- Coast FIRE Calculator: A free calculator to help you find out when you can slow down or stop investing for retirement.
- Mortgage Payoff Calculator: A free calculator to help you see how fast you can become mortgage free.
- YouTube: Subscribe for free to watch videos of these episodes and interviews.
RECOMMENDED RESOURCES (SPONSORS AND AFFILIATES):
- Monarch Money - Best Budget App for Families & Couples
- Empower - Free Portfolio Tracker
- Crew - HYSA Banking Built for Families - Get an Extra 0.5% APY with my partner link
- Ethos - Affordable Term Life Insurance
- Trust & Will - Convenient Estate Planning
HOW WE MAKE MONEY + DISCLAIMER:
- This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products.
- Opinions are the creators alone.
- Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice.
- Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com.
CREDITS:
- Podcast Artwork: Kayli Groves
- Editor: Johnny Sohl
- Podcast Support: Nev Maraj
Learn more about your ad choices. Visit megaphone.fm/adchoices
618 episodes
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Similar to Marriage Kids and Money: Personal Finance for Families
Each week Doug Hoyes talks to industry experts about debt, money, and personal finance. Don't be confused; listen as the guest experts cut through the jargon and share practical advice.
…
continue reading
Big tech is transforming every aspect of our world. But how, and at what cost? This season of Land of the Giants – The Disney Dilemma – focuses on Disney’s ability to weather the ups and downs of the business cycle and changing tastes and explores what has kept it successful for over 100 years. The entertainment giant has leveraged nostalgia and its intellectual property to build a beloved brand, but after an acquisition spree that included Marvel, Lucasfilm, and 20th Century Fox, can it sus ...
…
continue reading
An archive of each full weekday episode of the award-winning program presented by Stephen Grootes.
…
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
Capitalmind looks at stocks, bonds, funds and the macro to bring you their view on the Indian financial markets. We discuss all things related to investing at our focussed podcast that keeps it simple. For more, go to capitalmind.in and to invest with us, visit capitalmindwealth.com
…
continue reading
How would your life change if you reached Financial Independence and got to the point where working is optional? What actions can you take today to make that not just possible but probable. Jonathan & Brad explore the tactics that the FI community uses to reclaim decades of their lives. They discuss reducing expenses, crushing debt, tax optimization, building passive income streams through online businesses and real estate and how to travel the world for free. Every episode is packed with ac ...
…
continue reading
Alessandro Bogliari, CEO and Co-Founder of The Influencer Marketing Factory, a global influencer marketing agency, talks with great guests about influencer marketing, social media, the creator economy, social commerce and much more.
…
continue reading
Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.
…
continue reading
Best friends Joel and Matt are the co-hosts of How to Money which is all about providing the knowledge & tools that normal folks need to thrive in areas like debt payoff, DIY investing, and crucial money tricks that will provide continuous help along your journey. We believe that access to unbiased and jargon-free personal finance guidance is more necessary than ever before. When you handle your money in a purposeful, thoughtful way that works for your lifestyle, you can really start living ...
…
continue reading
Stephan Piscano founder of The Real Estate Networking Group the largest real estate group online interviews experts in real estate, finance, sports, motivation and more as we use common sense concepts to give investors insights on financial markets and have a lot of fun talking sports, politics and business motivation as well!
…
continue reading
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