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THE 4% RULE:
All of this begins in 1994, when the 4% rule was first “invented,” and used as a method of calculation to make sure you NEVER run out of money in retirement.
However, just a few days ago, the Creator, Bill Bengen, went on record to say that “current market conditions may require an even more conservative approach, and that the combination of 8.5% inflation with high stock and bond market valuations makes it difficult to forecast whether the standard playbook will work for recent retirees.”
On top of that, many investment analysts are also calling for LOWER STOCK MARKET RETURNS in the near future – which, could very well effect how much money you make…and, spend.
MorningStar recently came on record saying that: “if inflation, which is at a 30-year-high, remains at or near today’s level for an extended period, even a reduction to 3.3% could prove optimistic.”
They also suggested that, if you want to spend MORE than that – it’s a good idea to be flexible. You can opt to work longer, delay when you start taking social security, or save more so that you can spend a smaller percentage.
Other advisers recommend CHANGING your spending every year in response to the market, meaning – you’ll spend more when times are good, and spend less when Netflix sees slowing subscriber growth. This way, you preserve your wealth as best as possible – and never spend more than the market can sustain.
And really, all of this should be used as purely a rule of thumb, and by understanding the math behind what this is and what it does…you’ll be able to better budget how much you’ll need to save and invest. Just take how much money you’ll need in retirement…multiply that by 20 to 33…and that’s approximately how much you’ll need, depending how long of a retirement you’d like to have.
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*This is a paid endorsement for Public.com. Offer valid for U.S. residents 18+ and subject to account approval. This is not a recommendation. You can lose money with any investment. Open To The Public Investing is a member of FINRA & SIPC. Regulatory and firm fees apply. See Public.com/disclosures/
*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures/
Aye shout-out to safemoon lol
People need to stop focusing on capital appreciation and focus on cash flow. Use dividends to build up an income stream and adjust your life to live off 80% of the income stream and invest the rest.
Here is the secret don’t retire in America. Invest in the USA and leaving when you have a plan. Im a police Liuetenant and army reservists when I retire from both Im leaving the USA for a coastal city in Ghana.
enjoy the local warlords and cannibals 😂
Excellent work Graham
I was going to sell my real estate and live the good life with out fixing toilets and worrying about bad reviews. But I guess I’ll just keep the real estate and let it keep appreciating at 20% a year into infinity. Thanks for ruining my retirement Graham.
that safemoon comment hit home a little bit. lol. Live and learn…
Apecoin is a scam!!! Lol
The FED and government politicians are F*k*ing us hard double penetration no lube
Good thing for that good old social “scam” security. I could have retired by now if the government didn’t steal my money for there scam programs. 🤷🏼♂️
SafeMoon 🌚🚀
Graham, I believe the system we once knew, will be no more. I believe we are breaking away from the central banks and we will better off. This is why, you are confused and researching so much more.
And this is why we don’t shut the world down for a virus that kills significantly less ppl than the ppl killing themselves w food, now we’re all fucked, ppl my age act like money falls from the sky but only not for them
So people work their whole life and add to their 401k.. then after that, the government decides, “go fu*k yourself, your hard work meant nothing.”
Is it just me or did Public look like a future lawsuit, it’s definitely interesting but 🫣 just looks like a lot could go wrong
I think every retirement rule needs to be examined. We can’t just count on others too make all our calculations. Of course work from others can be a great starting place though.
YES ! wonderful video, enjoyed watching :)^^^^
I unsubscribed because I’m tired of seeing your sad face on my feed. You make great videos but even if the market did completely collapse I wouldn’t approach it like a victim. I accept the risks of investing and it’s up to me to determine if and when to bail when the market isn’t producing for me. Sulking is not an option.
Very helpful
I’m down %65.4 on my Netflix investment
Love the video description Summary as always!
I just wanna win the lottery be and over with it. Covid messed up so much and it feels like it’s twisted the next 10+ years of our lives
oh imm going up to the like button in the sky,(in the sky) thats where im going when I die (When i die!)🎶🎵
Graham’s looking bigger, the bets are starting to even out for the event.
Gen Z will get low returns not from the global stock market but from wasting money on ApeCoin and NFTs.
So buy covered call etfs like QYLD…got it!
Got my coffee in and it’s great. Thanks Graham! My boyfriend and I love your content. And yes we always hit the like button and are proud subscribe button smashers 😁 Keep up the good work. 😊☕
Hey “proud subscribe button smashers”, why not watch a video about STAGFLATION when you grab your next coffee?? Charlie Munger is worried about the impact stagflation has on the personal finance. I just launched a new YouTube channel and released a video about that topic which I believe you will like. BTW: Pls bring your boyfriend too, so you can both sit back relax and watch it together and enjoy your coffee…☕☕👫📺
Im never going to hit the like button but the constant nagging makes me even more unlikely. I’ll still watch the videos though
Why do you gotta take a shot at safemoon.
This was an add. Shame on you. 😔
Is that a Ferrari f355 in the background?
Seriously, stop with all the doom and gloom titles. I’ve stopped watching because every post is negative and we have enough of that EVERYWHERE else right now.
NGL, this is one of your funniest videos. Keep it up 👍- 28 year old
In other words from Graham, government printing circulation yet again messed up returns for our generation from their policies and ideas that we somehow idealize. I dont understand my generation..😓
Retirement? I’m 27, don’t make much, and will have to work til I die!
Death is inevitable, so you can die with zero. It’s ok. Why not spend down to zero?
Hey, Safemoon finally got a shout out!
With housing being the highest cost of most budgets, if you own your place that cost is fixed. So the biggest expense is not affected by inflation. Then take transportation and gas, this would go way down once you retire so this also would not be an issue with inflation. That leaves food and health care. Those can be large items for sure, but food is easy to lower especially if you have more time to shop and cook etc.
Which is why the current market outlook is incredibly scary. House affordability, and availability, is dropping to a point where more than half the people who would have a desire to work towards that goal, aren’t able to. If the understanding of this type of model is that one can have a reducing cost year over year by being able to own a home. Then the fact that fewer and fewer people are able to do this, especially younger generations, this should be a huge concern. At that point, this concept of a dwindling cost of “rent” is no longer true, and in fact subjected to the same inflationary pressures to increase the demand on one’s annual income because rent increases year over year.
I’m from the Millennial class and I’ve had a rough go. Still don’t own a home and working on wealth building that maybe one day I’ll be ok. But seeing what’s in store for Gen Z makes my heart break for them. What’s going on in the world today is not fair to younger generations and becoming increasingly harder for them to prosper long term.
Summary: Stock returns will be lower over the next decade so you should sign up for Public and buy stocks…and Ape Coin. Don’t forget to like the video and enjoy all the spam and scammers in the comments 🙂
I don’t like public. I’m on my fourth attempt to withdraw my cash. It keeps getting rejected. They’re holding my money hostage essentially
Graham, are you training for your fight or are you just going to go in there and wing it? Lol
Thanks for this! Can you please make another video for shib in response to the recent burn project launched.
why cant you speak in a more normal tone…. your voice is stressful
Every time you think you might be slowly getting ahead; politicians and subversive agendas mess you up.
I’m more shocked that ur gonna box someone
So I’m essence they F***ed millennials and we must price action trade our way to retirement 😂
Y’all retirees need BITCOIN.
Can someone sum up what this video was about in a few sentences?
If the markets are doing terrible, is it a good idea to briefly STOP contributing to a 401K? Or are you basically investing at a discount in a recession and should stay in?
Keep contributing, do not stop. Don’t pay attention to the balance.
@Jan Burrows Thx for the advice
@Red Heart Thank you
Buy low sell high bro
@Aaron Fox got it!
Does this even matter for me? I’m 26 and who knows if I’ll ever retire lol
Me too, we have left it too long to start well. Had better get on it now though or we won’t
@Kyle M what are you investing in
So does this apply to the Roth IRA?
Graham I think Jack is right! If you outsource more and had free time to live your life. It will show in the content.
Instead of paying someone to help with scripts, pay someone to write a deep learning algorithm, taking all of your scripts and that weeks news, and see what it comes up with? Just a thought
The end is nigh , always
Your imitation of a viewer on his computer is absolutely hilarious 😆👍🤩
Simply have 10,000,000 dollars 🙂
I actually thought that Graham was fighting for real.
US has borrowed so much from the future that future is empty. Starting in a few years.
Very entertaining content, I like it!!! Mates, did you hear that Kyrrex calls the first global digital bank? Is it because their deposit program is the most reliable and profitable?
Safemoon 😆
I have a pension, military disability, and investments. I am just here for the humor.
I was wondering why u were hear thanks for clarifying
I’ve been putting 25% of my income into savings and have other investments
Graham always has great takes on things!! I run an investment analysis company for Christians but I always take his market insights into account!!
3:51 “Backlog of history”
Just buy Tesla right now
Graham’s got the same Wimpy Kid character as Kevin! 🤣
Really cool persepctive and breakdown on this concept. Great to keep in mind for those approaching retirement age!
Are you using a computer monitor for your key light? Get a dang key light that over powers the monitor. It doesn’t go well with the warm background. Note I did like the video but your lighting is not great.
Dear Graham, I’m a complete investing-newbie and I wanted to ask one question: I’m on eToro and if I want to buy SPHD (for example) it says “CFD-Trade”. What is that that? And what’s the difference between owning it as “CFD-Trade” and owning it “normally”? Thanks in advance for any response and thanks in general for your great work!
My 401k rate of return for 2022 is -10.80%. What is the point of putting money into it?
Buying stocks on sale. Lowers your AGI. Get employer match.
QQ for you Graham, how much have you invested to date in total into your stocks and shares. Also what’s the percentage return on the total it’s worth now vs the total you’ve invested? Thanks
…or maybe things will turn around in a year or so and everything will be ok.
Only regret is Safemoon I’m down like 90%
Charlie Munger and Ray Dalio also speak about the threat of STAGFLATION, heavily impacting all our personal finances. If you’re keen to hear what they say and how you can combat STAGFLATION, check out the video I just uploaded. How do you protect your investments stagflation?
I put 25% of every paycheck into retirement and over the last year have still lost money on my 401k
I’m searching right now
We need an emergency millennial money live after today’s mess on stocks
I’m not religious, but I hope I make it to the big like button in the sky when I die
I don’t get the math. So $40,000 is $2,000 a year in spending. 80k is 4K/year and son on… that’s a little low realistically. The key is to always be making money so it doesn’t matter. Eventually turning it into all passive.
Yup, you need about $1 million to make $40k/yr
Fun fact: If you turn the speed on Graham’s videos down to 75%, he sounds super drunk.
dude your ads in the middle of your videos are annoying af.. if you are going to do sponsors..like do them at the start and then dont talk about them again. very very annoying and distracting from your content.
The “solution” is invest in cryptocurrency, gold, and real estate. Yea, right, invest in instability and a massive bubble. Kinda puts Ramsey’s claims of 10% returns to the lie. This is why I recommend waiting until 70 (if you can) to take Social Security benefits – to have the biggest check. Minimum risk is not the same as getting the maximum from SS.
Inflation is a killer! I think we will be back in normal ranges within 8-10 months though.
I pray you are correct
I think there are things happening in the world rn that could make the U.S plummet for a while. But I need to know a lot more to be completely sure
🎃👍
Set your hands down and just talk without waving your hands. What are you, a wacky inflatable arm thing?
Buy tangible assets NOW. The USD is dying rapidly.
Bruh ima be honest i work every day 10+ hours a day and i see ppl with no job with a scatpack living w their parents smoking weed and getting money from the government sooooo idk whats going on
Good thing everyone in charge of the USA’s economy holds dual citizenship and has another to flee to once they’ve bled America dry of all value.
It can be really annoying always hearing economists and investors say the market will produce less and less returns… that may be true for the old guard but how are you going to act like we will be less innovative in the future, if anything we have experienced that as technology advances so too does the possibility of larger returns and more opportunities for investors around the globe… Charlie munger loves Coca-Cola so obviously they aren’t gonna see incredible returns 10 years later. Just a bunch of idiots
If your investing experience is less than 10 years start with 5-6 portfolio. Don’t bet big on any single company, learn the process first. Initial diversification is not bad, it really worked for me during my early years. Remember that protection of capital is a must. Good luck.
@chris This is very inspiring. This investment manager that guides you, can you share their details, any other recommendations will be appreciated.
Hello, I’m new to this online investment Bitcoin trade and i’ve been making huge losses but recently, I seen a lot of people earning from it. Please can someone tell me what to do?
AMC. THIS, is the way….
but hey, no more mean tweets am i right?
Does inflation ever truly go down? Do people ever truly lower their price? Like Will Dollar Tree ever go back to the $1? It doesn’t seem that way. We just get use to inflation
I always have fun watching your vids Graham.
*When it comes to investment, diversification is key. That is why I have my interests set on key sectors based on performance and projected growth. They range from the EV sector, renewable energy, Tech and Health.*
I engage in productive investments (more of my capital in crypt0), through investing in *IDOs Launchpad Projects* and operating with an lnvestment Professional of an lnvestment firm, so far I’ve attained Returns over *$500K*
Hitting the like button so Stephen can get a little dopamine high
I like the content but Graham wants likes so much I can’t listen
I get it, invest in safe heaven assets cos profit level usually drops in these times, but I cant help but read up and watch articles of people that were still able to pull up heavy profit of up to $480k within a few weeks and I’d like to know how they did it.
Initially I assumed I had a hang of the market, I gained $30k one year and I was super elated, not until I stumbled upon a portfolio advisor whose been guiding me since the market’s been sham after the pandemic, to my utmost surprise I netted a whooping $520K my first year, that made it clear there’s more to the market that we average joes don’t know
That’s huge! I believe the high-value gains are backed by years of study/experience in knowing what makes what tick. The portfolio-advisr that guides you is who though?
My advisor is “Diana Claire Lougen” You can easily look her up, she has years of financial market experience.
I usually would not take advises online but i curiously looked this Diana up and scheduled a phone call with her. she seems proficient and well-grounded.
Broooo I need tickets to that boxing match
Sorry a kind of non sequitur, but if anybody reading this can know btw did you know BIND recently announced $25k in USDT for everyone who join the Whitelist?!