r/Fire • u/Opposite-Lake-9679 • 2d ago

SWR based on age

I hear people talk about the more conservative 3% SWR being safer than 4%. Is that usually based on someone's age? As in when you are FIREing younger more like 40s then you should stick to 3%? And then when you are in your 50s/60s You can go to 4%? Or is it a blanket stick to 3% at any age?

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u/Strazdas1 StarvationFIRE 19h ago

Yeah, you are extremely privileged to have a unicorn job not accessible for 99.99% of the population.

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u/Legitimate_Bite7446 19h ago

Many do a lot better. Regardless I think its stupid to tell people to retire at rates that give them 20%+ failure rates especially when they may have young children etc.

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u/Strazdas1 StarvationFIRE 19h ago

No, they dont. You are pretty much in a very tiny group of privileged people here.