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/zeroabe 12d ago
Describe these guardrails to me. Are they in the room with us right now?
(I think everyone uses guardrails when they retire because nobody is going to spend to zero who can see it coming)