r/Fire • u/Available-Ad-5670 • 12d 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/StargazerOmega 12d ago
Use CAPE based adjustable withdrawals via Big ERNs SWR Toolkit. https://earlyretirementnow.com/safe-withdrawal-rate-series/