))
Episode 33: Critiquing Dave Ramsey's Retirement Advice: Finding Balance in Withdrawal Rates
Manage episode 425484208 series 3485712
内容由Dr. Bryan Foltice提供。所有播客内容（包括剧集、图形和播客描述）均由 Dr. Bryan Foltice 或其播客平台合作伙伴直接上传和提供。如果您认为有人在未经您许可的情况下使用您的受版权保护的作品，您可以按照此处概述的流程进行操作https://zh.player.fm/legal。
In this episode of the Bryan Foltice Behavioral Finance Podcast, Dr. Bryan Foltice discusses the controversy surrounding Dave Ramsey's recommendation of an 8% retirement withdrawal rate. He critiques Ramsey's approach, highlighting its potential risks and compares it with the more conservative 4% rate commonly advised by financial planners.
Dr. Foltice delves into the importance of considering sequence risk and advocates for a balanced, flexible strategy to ensure financial stability throughout retirement. The episode aims to provide financial insights and foster informed decision-making among listeners.
00:00 Introduction to the Podcast
00:35 Critique of Dave Ramsey's Advice
01:41 Personal Experience with Financial Peace
03:58 Long-term Financial Planning
06:23 The 4% Rule and Retirement Puzzle
14:28 Sequence of Returns Risk
19:49 Finding a Middle Ground
22:09 Conclusion and Next Steps
References
Recap on Dave Ramsey's 8% Rule - https://www.mcleanam.com/dave-ramseys-8-withdrawal-rate/
The Updated Trinity Study - https://thepoorswiss.com/updated-trinity-study/
Sequence Risk Calculator Link - https://bryanfoltice.com/resources
Bryan Foltice Behavioral Finance Website - www.bryanfoltice.com
Instagram - www.instagram.com/bryanfoltice
Linkedin - https://www.linkedin.com/in/bryan-foltice-2578a116/
Disclaimer: www.bryanfoltice.com/cv
40集单集
分享
