Fiduciary Financial Advisor Reveals Real Success Rates of: the 3.4% Safe Withdrawal vs 4% Rule vs 6% vs 8% Dave Ramsey Advice

How Much Can You Withdraw Safely in Retirement (Safe, Risky, and Guaranteed Failure). What if the most popular retirement advice on withdrawal rates in retirement are setting you up for an unfulfilling retirement or worse, setting you up to go broke?

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Discover the truth about retirement withdrawal rates with real Monte Carlo data. We test four strategies (3.4%, 4%, 6%, and 8%) for a couple retiring at 62 with $1.5 million and $70,000 in Social Security. See actual success probabilities and ending balances at age 90.

IN THIS EPISODE:

• Real retirement case study: $1.5M saved + $70K Social Security at age 62

• Four withdrawal rates tested: 3.4%, 4%, 6%, and 8% strategies

• Projected portfolio balances at age 90 for each withdrawal strategy

• Why Dave Ramsey’s 8% withdrawal recommendation fails in real scenarios

• Sequence of returns risk explained: the retirement plan destroyer

• How retiring in 2008 vs 2009 creates completely different outcomes

• Dynamic withdrawal strategies with upside and downside guardrails

• Six critical factors that determine YOUR optimal withdrawal rate

• Why flexibility matters more than finding the “perfect” percentage

• How to stress-test your retirement plan using free Monte Carlo tools

• Building spending adjustment rules before emotions take over

• Three Wealth Decision Principles for sustainable retirement income

• The biggest mistake retirees make with withdrawal rates

CHAPTERS:

00:00 Introduction: The Retirement Withdrawal Dilemma

02:22 Meet Mike and Jennifer: A Case Study

04:14 Exploring Four Withdrawal Strategies

08:01 Analyzing the Success Rates of Popular Withdrawal Rates

12:09 Understanding Sequence of Returns Risk

15:03 Personalizing Your Withdrawal Strategy

18:58 Action Plan for Smart Withdrawals

20:58 Conclusion: Making Wealth Decisions Count

PERFECT FOR:

Pre-retirees 55-65, early retirement planning, FIRE movement, 401k withdrawal strategies, IRA distribution planning, Social Security maximization, retirement spending strategies, financial independence planning

#RetirementPlanning #WithdrawalRate #4PercentRule #SafeWithdrawalRate #RetirementIncome #FinancialIndependence #DaveRamsey #RetirementStrategy #MonteCarloSimulation #wealthbuilding

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Brian D Muller(AAMS©), Founder, Wealth Advisor

XYPN Invest Disclaimer:

Brian Muller is an Investment Adviser Representative of XYPN Invest, an SEC-registered investment advisory firm doing business as Momentous Wealth Advisors. This podcast is not published on behalf of XYPN Invest, and the views expressed herein are solely those of Brian Muller.

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