A Richer Retirement: The 4.7% Rule | Bill Bengen | 169

Описание: We are welcoming back the man behind the most debated number in retirement, Bill Bengen- this time with a special appearance from his lovely wife, Barbara. We take a brief detour to hear their love story and how they met, before getting into his new book, 'A Richer Retirement: Supercharging the 4% Rule to Spend More and Enjoy More'. He joins us in this episode to:
📌 Break down the primary goals of the book
✅ Help you understand what’s required to create and manage a successful personal retirement withdrawal plan
👣 Step us through all the tools required to make your money last your entire lifetime


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🌐 Bill Bengen
https://www.bengenfs.com

📘 A Richer Retirement: Supercharging the 4% Rule to Spend More and Enjoy More
👉🏻 https://amzn.to/4npuTwx

Charts and Tables from ‘A Richer Retirement’
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⏰ ‘Catching Up to FI’ Episodes

Mr 4% is now Mr 5% | Bill Bengen | 111
   • 🚫💸 Mr 4% is now Mr 5% | Bill Bengen | 111  


🕒 TIMESTAMPS / CHAPTERS
00:00 🎙️ From 4.15% to 4.7%: How the “rule” became a floor
00:05 💞 Meet Barbara: Love after loss & the dedication story
00:09 🧒 Teacher parents → money wisdom → autonomy
00:11 🎉 Book drop: Richer Retirement launch & why it’s consumer-first
00:13 🕰️ Worst-case retiree (Oct ’68): why the rule was born
00:16 🛡️ What “safe-max” means (for history and for you)
00:18 📉 History check: average ≈ 7%, but plan for the worst
00:20 📊 The two big levers: Inflation + CAPE
00:23 🧾 Pick your scheme: COLA, fixed $, fixed %, front-load
00:31 🎒 Hosts’ picks: front-load vs. COLA in the real world
00:32 ⏳ Horizon slider: 30 yrs ~4.7%; 50–80 yrs ~4.1% floor
00:36 🧭 Late-starter math: higher safe rates, less saving stress
00:37 🧮 Taxes in taxable: why your net check matters
00:38 🧺 The allocation mesa & the five-slice equity mix
00:46 ♻️ Free lunches: rebalance & the rising glide path
00:48 🎯 Target-date caution; 100% stocks until ~5 years out?
00:50 🚦 Risk management is better than timing
00:53 🔗 Cases, tables & bengenfs.com (Ask Bill)
00:56 🚀 Late-starter playbook: 30–40% save → 10–15-yr path
00:58 🎁 Permission to spend (and gift) without guilt
01:00 📣 Blurbs, thanks, and “Mr. 4.7%” signs off


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