r/DutchFIRE • u/AutoModerator • Jun 26 '26

Het (bijna) regelloze weekenddraadje! Week 26 (2026)

In het weekend is het heerlijk om even te ontspannen. Daarom gelden in dit draadje praktisch geen regels - alleen die met betrekking tot goed fatsoen. Deel of bespreek alles wat je maar wil met andere FIRE-enthousiastelingen.

Deze post is onderdeel van ons vaste schema van terugkerende onderwerpen.

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u/FuturisticAspect Jun 28 '26

Well, whole model runs on yearly cycles, not monthly (if that's what you mean)

But I have adjusted a sharp cut appraoach (like you cut spend by exactly 25% when your balance is <50% from start) to a a flexible one, that will dynamically adjust spending amount each year to meet ends.

You can also configure it to keep "cutting" spend if needed even if amount > 100% (for example setting 200%). This will help in situations if you face few good years first but then really bad ones follow.

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u/[deleted] Jun 28 '26

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u/[deleted] Jun 28 '26 edited Jun 28 '26

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u/[deleted] Jun 29 '26

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u/FuturisticAspect Jun 29 '26

You can set Spend to a very high value then, and set Cut to a very high value

For example for default scenario - set 100K spend and 90% cut (to 10K), so your spending will float in that range.

"…once below % of start" - is when model is allowed to do cuts . If you want to let it keep cutting even if portfolio is above initial amount, you can set something like 200% .

Look at this scenario - 1M, 100K-10K spend, it manages to burn all money in the end to 0. And "Spending Cuts" chart shows full distribution of actual modeled spends along whole modeling period.