Скачать или смотреть The 4% Rule isn't what you think it is. Find out why. Explained by a CFP.

Many retirees drastically underspend—not because they don’t have the money, but because they’re terrified of running out.

After living through tough economic times like the GFC, that fear is understandable… but it can also rob you of the retirement you actually worked so hard for.

In this video, we’re diving deep into a real-life retirement scenario to explore what happens when you give yourself permission to enjoy your money—without compromising your future.

We’ll cover:

Why the “4% Rule” may be holding you back

How fear of market downturns leads to unnecessary sacrifice

What happens when you spend a little more each year—or splurge on a big dream (like that beach house!)

How we use conservative projections, stress testing, and Monte Carlo simulations to find your financial comfort zone

You'll see the true impact of increasing spending by $10K a year, helping your kids with a down payment, taking that extra vacation, or even buying that dream sports car—and what it all means for your financial security and legacy.

🔎 This is the kind of planning that turns "Can I afford it?" into "How do I make the most of it?"


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Securities offered through LPL Financial, Member FINRA/ SIPC. Investment advice offered through IHT Wealth Management, a registered investment advisor. IHT Wealth Management and RB Wealth Partners are separate entities from LPL Financial.

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.

All investing involves risk including loss of principal. No strategy assures success or protects against loss.

This is a hypothetical example and is not representative of any specific investment. Your results may vary.