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withdrawal-rates-2

Is a 4% Withdrawal Rate Too Conservative?

I don’t believe that one size fits all when it comes to retirement planning.  The standard rule of thumb that is generally accepted across the personal finance community and standard advice from traditional media is that in order to retire, you can assume a 4% safe withdrawal rate. This is …

Grind in 20s

My Comprehensive Early Retirement Plan

I’ve been asked a few times about how I plan to execute my retirement plan and I think now is an appropriate time to reveal all of the geeky details.  Fair warning, the math and the nerd level here is going to be intense! Building A Strong Financial Base 2004 …

ESPP

Problems With Automatic Payments

For the past several years I have had the majority of my accounts set up for automatic payments.  My gas bill, electric bill, Comcast bill are all set up automatically.  I pay my mortgages and even my Netflix payment automatically.  I have my betterment account, as well as my HSA …