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4% Rule is Dead! How can I retire? 9 retirement scenarios.

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#FIRE #HowToRetire #Bitcoin #PortfolioAllocation #Inflation #Bonds #Equities #HowMuchDoINeedToRetire 💰Celsius IA PROMO Code get $60 in Bitcoin with $400 deposit: IA60 (new customers only) see how here https://ibb.co/zRd6fqr or 💰Celsius IA Referral Code get $50 with $400 deposit: 1315105ca2 (new customers only) 💰Voyager Deposit $100 to get $25 of free Bitcoin. Use code CB91C1 or this link to claim your BTC: voyager.onelink.me/WNly/referral?af_sub5=CB91C1 💰Tradingview referral link $30 off: tradingview.com/?offer_id=10&aff_id=27663 💰FTX: Save on trades FTX referral link: ftx.us/#a=6600802 0:00 Disclaimer - this is Edutainment and not Financial Advice - The opinions expressed in the video are for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security or investment product. It is only intended to provide education about the financial industry 00:10 4% Rule in Doubt 02:04 4% Rule Invented in 1994 02:42 4% - Annual Income Required + Amount Needed 03:24 Average Family Spend Per Year 04:40 The 4 Levers Math Will Change the Way You Think 05:20 Avg Life Expectancy - Figure 80-85 Yrs 06:04 Problem #1: 4% Rule built when Treasury yields were 5%. Today, they’re under 0.5%. 06:40 How Much $1M Generates …. Under 4% 07:06 Problem #2: Reqd Balance for $50K p.a. Is $8M+ 07:26 Problem #3: 60% of ALL WORKING-AGE individuals DO NOT own assets in retirement A/C 07:50 Problem #4: Median Balance is $40K 08:06 Problem #5: 80% have less than 1 Yr Salary Saved 08:15 Problem #6: Safe Withdrawal Rates based on 10 year Bond Yields 08:40 Inflation: Steve Henke Says Rubbish to Biden! 09:00 Theoretical Study 09:20 12:00 Scenario #1 $1M in Cash Saving in Money Market Mthly Spend $6250 Tax Rate 24% Inflation Rate 6.1% 10:20 Scenario #2 $1M in Cash Saving in Money Market Mthly Spend $6250 Tax Rate 24% Inflation Rate 10% 10:49 Scenario #3 $1M in Cash Saving in Money Market Mthly Spend $6250 Tax Rate 24% Inflation Rate 15% 11:30 Scenario #4 Slash Spend $1M in Cash Saving in Money Market Mthly Spend $3000 Tax Rate 24% Inflation Rate 15% 12:05 Scenario #5 How much 30 yrs $40M in Cash Saving in Money Market Mthly Spend $6250 Tax Rate 24% Inflation Rate 10% 13:03 Scenario #6 How much 30 yrs $1M in Cash Saving in Celsius 8.8% Mthly Spend $6250 Tax Rate 24% Inflation Rate 10% 14:00 Scenario #7 All in Stock Market $1M in Stock Market Stock Mkt Return 15% Mthly Spend $6250 Tax Rate 24% Inflation Rate 10% 14:28 Scenario #8 85% Stk/15% BTC $1M in Cash Stock Mkt Return 15% Bitcoin Return 33% Blended Return Mthly Spend $6250 Tax Rate 24% Inflation Rate 10% 15:39 Scenario #9 85% Stk/15% BTC $1M in Cash Stock Mkt Return 15% Bitcoin Return 46% Blended Return Mthly Spend $6250 Tax Rate 24% Inflation Rate 15% 16:00 Conclusion 16:10 Takeaways for Financial Freedom & Retirement
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