Beyond the 4% Rule--Conversation with Bill Bengen | Live Q&A

Tonight we have the pleasure of speaking with the father of the 4% Rule, Bill Bengen.

Bill's recent paper: https://www.fa-mag.com/news/choosing-the-highest-safe-withdrawal-rate-at-retirement-58132.html
Personal Capital Tesla Promotion: https://robberger.com/go/personal-capital-tesla/yt-bill-bengen
Sallie Mae 2.20% No-Penalty CD: https://www.allcards.com/best-savings-account-rates/

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Timestamps

0:00 - Welcome to the Financial Freedom Show!
0:40 - 1968
2:39 - Inflation
4:00 - High inflation and when to worry
4:37 - What should people start doing?
5:43 - Calculating inflation adjustment in your portfolio
7:36 - Stock valuation
9:10 - Link listed below
9:54 - A different perspective
13:16 - Stepping out of the weeds
15:07 - Generating more income in retirement
16:27 - Calculating withdrawals every year
18:19 - A guideline
19:16 - Investment fees
21:12 - Tax deferred
26:09 - Bucket Strategy
27:15 - Accumulating is much easier/Fear
33:17 - Market timing
34:20 - Investech
37:50 - Withdrawal rates
40:00 - Bringing asset classes down
41:37 - Stocks
42:32 - International stocks
44:02 - Static vs Dynamic
46:58 - More research/New book
48:25 - Topics on the 4% Rule
49:39 - Appreciative
50:12 - Peace of mind
53:20 - Safemax chart
56:35 - Total returns
57:21 - Investment fee
58:24 - IBonds
1:00:49 - Moderator
1:01:14 - How often to withdrawal
1:02:10 - Links below video
1:08:30 - Opposite of the 4% Rule
1:09:32 - Adding a note
1:11:28 - Adjusting the 4.7% for an early retirement
1:14:39 - Ramsey's 12%/Vangaurd
1:17:28 - ROM
1:18:35 - Virginia
1:27:02 - VTI
1:29:12 - Taking it out and put it in cash
1:30:46 - Bumper guard suggestions for 4% Rule
1:33:01 - 2.2%
1:35:48 - Question for you
1:37:55 - Michigan/Arizona
1:39:25 - Announcements
1:40:20 - Financial Freedom

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Investing Tools
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My Book (Retire Before Mom and Dad): https://amzn.to/2MsRJ9B
Personal Capital (Investment Tracking, Retirement Planning): https://robberger.com/go/personal-capital/yt-
New Retirement (Retirement Planner): https://robberger.com/go/new-retirement/yt-
Stock Rover: https://robberger.com/go/stock-rover/yt-

#billgengen #retirement #robberger

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)

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.

AFFILIATE DISCLOSURE: Some of the links on this channel are affiliate links, meaning at no cost to you I earn a commission if you click through and make a purchase and/or subscribe. However, I only recommend products or services that (1) I believe in and (2) would recommend to my own mom.