Goodbye 4% Rule and Hello 5% Rule | Bill Bengen скачать в хорошем качестве

Goodbye 4% Rule and Hello 5% Rule | Bill Bengen

Bill Bengen, the Father of the 4% Rule in the 1990's, shares why the 5% rule makes more sense today. We discuss his new book "A Richer Retirement" https://amzn.to/4ipWPNI (affiliate) and how we can enjoy more of our money now and in retirement. NOTE: If you buy Bill's book with my link above, I get a small commission. CHAPTERS 00:00 - Introduction to the 5% Rule 01:02 - What Is the 4% Rule? 03:07 - Why the 4% Rule Became So Popular 04:37 - How Bill's Research Evolved Over Time 06:18 - Are We Saving Too Much? 08:23 - Advice for Young Savers 10:07 - Thoughts on Dave Ramsey's 8% Rule 12:14 - Ideal Retirement Portfolio Mix 13:51 - The Downside of Being Too Conservative 15:21 - Bill's Personal Retirement Experience 17:17 - Should Withdrawal Rates Increase Over Time? 19:05 - How to Start Using the 5% Rule Today 20:47 - Target Date Funds & Younger Investors 21:45 - A Richer Retirement #Retirement #Investing #WithdrawalRate #FamilyFinance #personalfinance GUEST BIO - Bill Bengen William P. Bengen received a B.S. from M.I.T. in Aeronautics & Astronautics and a M.S. from the College for Financial Planning. He has had four careers: trained as an aerospace engineer, CEO of his family’s soft drink bottling business (NY), fee-only financial planning practitioner (CA), and currently a financial researcher and aspiring novelist (AZ). He is a former CFP® licensee. In the early 1990’s, in response to client questions, Mr. Bengen began research on the sustainability of withdrawals from stock and bond portfolios, which gave rise to the so-called “4% Rule.” He is frequently quoted in major financial publications, and appears regularly on financial industry podcasts. In 2014 he received NAPFA’s Robert J. Underwood Distinguished Service Award and in 2017 the InvestmentNews Innovators Award. In 2023 he was awarded the Inside Information Iconoclast Award. He currently lives in SaddleBrooke, AZ, where he is working on a new book about the “4% Rule.” OTHER VIDEOS TO WATCH Paul Merriman: 2 Fund & 4 Fund Portfolios Outperforming S&P 500    • Paul Merriman: 2 Fund & 4 Fund Portfo...   JL Collins Explains Financial Independence and Retirement    • JL Collins Explains Financial Indepen...   The Secret to a Happy Life (Based on 80 Years of Research) - w/ Dr. Robert Waldinger    • The Secret to a Happy Life (Based on ...   MARRIAGE KIDS AND MONEY: This award-winning YouTube channel is dedicated to helping families build wealth and thrive. Each week, Andy Hill shares actionable advice and tips for family financial independence. Also, he interviews personal finance experts, families who've achieved financial independence and work optional parents to inspire you to do the same. BIO - ANDY HILL: Andy Hill is the award-winning family finance coach behind Marriage Kids and Money - a platform dedicated to helping young families build wealth and happiness. Andy's advice and personal finance experience have been featured in major media outlets like CNBC, Forbes, MarketWatch, Kiplinger’s Personal Finance and NBC News. With millions of downloads and views, Andy’s message of family financial empowerment has resonated with listeners, readers and viewers across the world. When he's not "talking money", Andy enjoys being a Soccer Dad, singing karaoke with his wife and relaxing in his hammock. ✅ CONNECT WITH US Instagram:   / marriagekidsandmoney   Blog: https://www.marriagekidsandmoney.com Podcast: https://www.marriagekidsandmoney.com/... Subscribe to my YouTube channel today to strengthen your family tree and live financially free! HOW WE MAKE MONEY & DISCLAIMER This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products. Opinions are the creators alone, and this content has not been provided by, reviewed, approved or endorsed by any advertiser. Information shared on this channel is for entertainment purposes only and should not be considered as professional advice. Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com. CREDITS Research & Writing: Andy Hill Video Editing: Hinz Video Thumbnail: Ardi, The Thumbnail Wiz Channel Management: Nev Maraj