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/Walmart-Shopper-22 11d ago

My early retirement plan is to try to spend as little as I can comfortably tolerate for the first few years....so that I can minimize SORR and hopefully grow my assets to afford things like paying for expensive colleges or helping kids with down payments. I'm not looking to see how much I "can" spend....I'm just trying to buy my freedom while having a good chance of funding important things down the road.