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Episode 3374:

Fritz Gilbert outlines three key adjustments to improve the sustainability of retirement withdrawals in today’s uncertain market environment: lowering the withdrawal rate to 3.3%, adopting a dynamic spending strategy tied to market performance, and increasing international equity exposure. These practical shifts help retirees better manage risk and longevity while maintaining spending flexibility.

Read along with the original article(s) here: https://www.theretirementmanifesto.com/rethinking-the-4-safe-withdrawal-rule/

Quotes to ponder:

"Being willing and able to adjust your spending based on actual market returns has been proven to increase your statistical chances of not outliving your money."

“Run the numbers. Be safe out there.”

Episode references:

Vanguard Total International Stock Index Fund (VTIAX): https://investor.vanguard.com/investment-products/mutual-funds/profile/vtiax

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