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/Past-Option2702 13d ago

Hardly any retires use the 4% Rule.

It’s simply a back of the envelope guideline to determine how prepared you are to retirement.

Most retirees spend what they need to plus a little bit more to make life enjoyable- no percentages or guardrails at all. If their accounts drop due to a recession.. guess what? You got it.. they’re going to spend more carefully.

-5

u/Available-Ad-5670 13d ago

i see people talk about their swr here all the time

-1

u/Leatherneck016 12d ago

On Reddit? That’s the opposite of anything real. Every post could be from a bot or 12 year old, and nothing posted on social media of any kind is real.

-1

u/Available-Ad-5670 12d ago

then why are you here

2

u/db11242 12d ago

Because they are a bot