8% Safe Withdrawal Rate In Retirement? What!!

Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®

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1y ago 28:28

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Recently, famous radio show host and personal finance guru Dave Ramsey made headlines by saying he’s perfectly comfortable with an 8% withdrawal rate in retirement. Critics were quick to respond, calling his advice scary, dangerous, and just plain wrong. So, who’s right?

On this episode, hear Tyler Emrick, CFA®, CFP®, break down Ramsey’s comments and how you should be thinking about income and spending in retirement.

Here’s some of what we discuss in this episode:

How Dave Ramsey explains his position on the 8% withdrawal rate.
Why the math might seem simple but is actually wrong.
What you need to know about Geometric and Arithmetic returns.
You can’t ignore the sequence of return risk with a 100% stock portfolio.
Is the 4% rule too depressing?

Have questions?

Need help making sure your investments and retirement plan are on track? Click to schedule a free 15-minute call with one of True Wealth's CFP® Professionals.

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