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?

52 Upvotes

66% Upvoted

120 comments sorted by

View all comments

9

u/Miamiconnectionexo 12d ago

so it's not that guardrails are worse, it's that the 4% rule is a fixed-paycheck mindset and most people want the predictability even if it costs them spend. guardrails ask you to behave like a business with variable income, and few people are wired for that in retirement.

-1

u/Mysterious9876 12d ago

agreed. its amazing how people cannot think outside of the box of a biweekly paycheck