BiggerPockets Money6 Mai 2025

The 4% “Rule” is Wrong for FIRE—Here’s a Better Alternative

For decades, the 4% rule has been the calculation every FIRE chaser has used to determine when they can retire early—risk-free. The math is simple: have a portfolio big enough to withdraw 4% per year to fund your lifestyle. But there’s one BIG problem with the 4% rule that nobody is talking about—a problem that could force you to work longer, ruin your retirement lifestyle, and put your portfolio in jeopardy if you don’t plan carefully. Tyler Gardner, former portfolio manager and financial advisor, is back on the show to share why much of the FIRE community may be wrong about this “rule.”

Scared of not having enough to retire, retiring during a market crash, or being forced to be frugal once you leave the workforce? That’s precisely what we’re talking about in today’s episode. The 4% rule has become untouchable within the FIRE movement, but its hard-and-fast downsides may lead to your FIRE’s demise.

Tyler shares what he thinks is the ultimate FIRE portfolio allocation, why he’s way more bullish on stocks and index funds than bonds, EVEN during retirement, and why target date retirement funds—often scoffed at—can actually help protect your portfolio once you FIRE. If you’re planning on retiring early with the 4% rule, think again. All of us have our doubts, and we’re sharing them today.

In This Episode We Cover

Why the 4% “rule” is WRONG for most FIRE chasers, and why withdrawing only 4% could be a mistake

The new (updated!) FIRE number that most people should be chasing

Hate your job and want to retire early? Here’s why you should find a better career (NOT quit) instead

The ultimate FIRE portfolio allocation and why a target date retirement fund actually makes sense for many

And So Much More!

Links from the Show

Mindy on BiggerPockets

Scott on BiggerPockets

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Email Mindy: Mindy@biggerpockets.com

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Your Money Guide on the Side Podcast

Want to FIRE in 2025? How to Prepare for Early Retirement w/Emma von Weise

Maximize Your Real Estate Investing with a Self-Directed IRA from Equity Trust

Get to FIRE Faster with “Set for Life”

Find an Investor-Friendly Agent in Your Area

(00:00) Intro
(02:05) Is the 4% Rule Wrong?
(06:05) This Saves Your FIRE
(10:09) “One More Year” Syndrome
(14:33) Healthcare in Early Retirement
(16:34) Ultimate FIRE Portfolio Allocation
(24:29) Include Real Estate?
(29:49) Target Date Retirement Funds
(36:25) Don’t Quit Working?
(54:30) Find a Job You LOVE
(57:02) Connect with Tyler!
(58:30) FIRE Chasers Are Wrong!

Check out more resources from this show on ⁠⁠⁠BiggerPockets.com⁠⁠⁠ and ⁠⁠⁠https://www.biggerpockets.com/blog/money-637

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