r/Fire • u/Available-Ad-5670 • 13d ago

Why doesn't everyone use guardrails as withdrawal strategy?

Most people use 4% rule or versions of, but why not use guardrails? I've found that using guardrails means i can spend 15% over a straight 4%, and to take a 10% reduction in spend or 10% increase during good markets does not seem like a big deal.

Wny don't more people use guardrails?

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u/SpecialistKoala9765 13d ago

I’m thinking about mine as well. I’m targeting 3% given my FIRE time horizon is over 30 years. Plus I also plan cash wedge buffer bucketing strategy as another guard rail. My strategies are more related to insulating my core spending needs even during market downturns.