Is the 4% Rule Dead?
BiggerPockets Money21 Maalis 2025

Is the 4% Rule Dead?

Is the 4% rule dead? Most FIRE-chasers are using this retirement rule completely wrong, and it could cost them their financial freedom. With stock prices falling and many Americans fearing another recession, now is the time to tighten up your retirement portfolio and ensure you can survive if stock prices correct or crash. If you get this wrong, you could delay your FIRE for years or have to go back to work mid-retirement.

The 4% rule is one of the most bulletproof retirement formulas. It’s simple: Build a portfolio from which you can comfortably withdraw 4% annually. Need $40,000 per year to live? Your FIRE number is $1,000,000. Need $100,000 per year? Then you’re looking at $2,500,000. This math has been checked, double-checked, and triple-checked to withstand even the greatest economic depressions. However, most people have their portfolio set up WRONG, and it could put them at significant risk.

So, how do you ENSURE you can retire (early) with the 4% rule? What hedges should you make in your portfolio so your wealth stays afloat even as the economic tide starts to turn? What are Scott and Mindy doing now to prepare for a rocky stock market? Don’t miss this one—it could cost you your FIRE!


In This Episode We Cover

The 4% rule explained and whether it still works in 2025 and during market downturns

Why your FIRE portfolio is WRONG, and it could be at massive risk right now

How to prepare for an economic downturn to ensure you stay FIREd or on the path to FIRE

What Scott is selling and buying right now to protect his wealth (will his strategy work?)

Alternatives to the 4% rule that will protect your retirement portfolio even during the greatest of depressions

And So Much More!


Links from the Show

Mindy on BiggerPockets

Scott on BiggerPockets

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Join BiggerPockets for FREE

Email Mindy: Mindy@biggerpockets.com

Email Scott: Scott@biggerpockets.com

BiggerPockets Money Facebook Group

Follow BiggerPockets Money on Instagram

“Like” BiggerPockets Money on Facebook

BiggerPockets Money YouTube Channel

BiggerPockets Real Estate 1,095 - Scott Trench: How I'm Protecting My Money From “Irrational Exuberance”

BiggerPockets Money 120 - Are FIRE Naysayers Bad at Math? Yes. with Michael Kitces

The Rational Investor’s Case Against Bitcoin

Dow Jones - DJIA - 100 Year Historical Chart

Try REsimpli, The Only All-In-One Real Estate Investor CRM Software That Helps You Manage Data, Marketing, Sales, and Operations

Get to FIRE Faster with “Set for Life”

Sign Up for the BiggerPockets Money Newsletter

Find an Investor-Friendly Agent in Your Area


(00:00) Is the 4% Rule Dead?

(04:39) You CANNOT FIRE with This

(11:42) How to Prepare for Downturns

(21:12) Assets That Are At Risk

(23:17) What Scott’s Buying/Selling

(28:29) Alternatives to 4% Rule Portfolio

(34:21) Do You Trust the 4% Rule?


Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-619


Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com

Learn more about your ad choices. Visit megaphone.fm/adchoices

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Tämä jakso on lisätty Podme-palveluun avoimen RSS-syötteen kautta eikä se ole Podmen omaa tuotantoa. Siksi jakso saattaa sisältää mainontaa.

Jaksot(803)

The Boring Strategy that Allows Him to Retire at 54 (Median Income)

The Boring Strategy that Allows Him to Retire at 54 (Median Income)

How do you build a $2 million portfolio and retire at 54 without earning an enormous salary? Mike shares how 25 years of consistent saving, basic investing, and real estate helped him reach financial ...

13 Loka 39min

Did Buying a House Ruin Her Path to Financial Independence?

Did Buying a House Ruin Her Path to Financial Independence?

What if you had $1 million invested for financial independence at just 36, but still worried that buying a home could derail your early retirement plans? Cheryl and her family have two young kids, a $...

9 Loka 46min

Best of BiggerPockets Money: Ben Felix on the 4% Rule

Best of BiggerPockets Money: Ben Felix on the 4% Rule

How much can you safely withdraw in early retirement, and is the 4% rule still a good guideline? Ben Felix breaks down portfolio risk, asset allocation, bonds vs. stocks, flexible spending, and the ps...

8 Loka 26min

Is House Hacking Dead in 2026? How to Find Deals That Still Work

Is House Hacking Dead in 2026? How to Find Deals That Still Work

Is house hacking still a good strategy for reaching financial independence in 2026? Scott Trench and Evan Lawler break down a real house-hacking opportunity, looking at mortgage costs, cash flow, mark...

7 Loka 31min

How Much Can You Safely Withdraw in Early Retirement? | Christine Benz

How Much Can You Safely Withdraw in Early Retirement? | Christine Benz

How much do you actually need to retire, and once you get there, how do you turn your portfolio into income without running out of money? In this episode, Christine Benz from Morningstar joins us to t...

6 Loka 46min

J Scott Explains Inflation, Interest Rates & the Economy

J Scott Explains Inflation, Interest Rates & the Economy

What is happening with inflation, interest rates, energy prices, and the economy, and what does it mean for investors? In this episode of the BiggerPockets Money Podcast, Mindy Jensen and Scott Trench...

2 Loka 54min

Want to Reach FI Faster? These Careers Give You the Biggest Advantage

Want to Reach FI Faster? These Careers Give You the Biggest Advantage

What are the best careers for reaching financial independence? In this episode of the BiggerPockets Money Podcast, Mindy Jensen and Evan Lawler explore careers that can accelerate your path to FI. The...

30 Syys 23min

Naseema Went Bankrupt at 25, Became a Single Mom at 30, and Built $1.3M by 45

Naseema Went Bankrupt at 25, Became a Single Mom at 30, and Built $1.3M by 45

How do you go from nearly $1 million in debt to building a $1.3 million net worth? In this BiggerPockets Money episode, hosts Mindy Jensen and Scott Trench sit down with Naseema McElroy to hear how sh...

29 Syys 44min

Suosittua kategoriassa Liike-elämä ja talous

sijotuskasti
vallattomat
psykopodiaa-podcast
rss-rahapodi
mimmit-sijoittaa
rss-oivalluksia-rahasta-elamasta
ostan-asuntoja-podcast
rss-rahamania
rss-hereilla
oppimisen-psykologia
sijoituspodi
hyva-paha-johtaminen
rss-inderes
rss-paasipodi
rss-porssipuhetta
rss-karon-grilli
rss-kahavia-ja-markkinointia-podcast
pomojen-suusta
rss-alanvaihtajat
rss-10x-finland