How to Safely Spend More Money in Retirement | The Ratcheting Rule

The 4% Rule is designed with one goal in mind--to give retirees the best chance of not running out of money over a 30-year retirement. In most cases, however, a retiree ends up with significantly more money after 30 years of following the 4% Rule. In some cases 6x what they started with!

The Ratcheting Rule, developed my Michael Kitces, is designed to increase spending throughout retirement if market returns and inflation turn out to be favorable.

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Video Resources
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Ratcheting Rule Article: https://www.kitces.com/blog/the-ratch...
Early Retirement Article: https://www.kitces.com/blog/the-probl...
Guyton-Klinger Article: https://www.financialplanningassociat...

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ABOUT ME

While still working as a trial attorney in the securities field, I started writing about personal finance and investing In 2007. In 2013 I started the Doughroller Money Podcast, which has been downloaded millions of times. Today I'm the Deputy Editor of Forbes Advisor, managing a growing team of editors and writers that produce content to help readers make the most of their money.

I'm also the author of Retire Before Mom and Dad--The Simple Numbers Behind a Lifetime of Financial Freedom (https://amzn.to/3by10EE)

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DISCLAIMER: I am not a financial adviser. These videos are for educational purposes only. Investing of any kind involves risk. Your investment and other financial decisions are solely your responsibility. It is imperative that you conduct your own research and seek professional advice as necessary. I am merely sharing my opinions.

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