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Episode 33: Critiquing Dave Ramsey's Retirement Advice: Finding Balance in Withdrawal Rates
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Dr. Bryan Foltice द्वारा प्रदान की गई सामग्री. एपिसोड, ग्राफिक्स और पॉडकास्ट विवरण सहित सभी पॉडकास्ट सामग्री Dr. Bryan Foltice या उनके पॉडकास्ट प्लेटफ़ॉर्म पार्टनर द्वारा सीधे अपलोड और प्रदान की जाती है। यदि आपको लगता है कि कोई आपकी अनुमति के बिना आपके कॉपीराइट किए गए कार्य का उपयोग कर रहा है, तो आप यहां बताई गई प्रक्रिया का पालन कर सकते हैं https://hi.player.fm/legal।
In this episode of the Bryan Foltice Behavioral Finance Podcast, Dr. Bryan Foltice discusses the controversy surrounding Dave Ramsey's recommendation of an 8% retirement withdrawal rate. He critiques Ramsey's approach, highlighting its potential risks and compares it with the more conservative 4% rate commonly advised by financial planners.
Dr. Foltice delves into the importance of considering sequence risk and advocates for a balanced, flexible strategy to ensure financial stability throughout retirement. The episode aims to provide financial insights and foster informed decision-making among listeners.
00:00 Introduction to the Podcast
00:35 Critique of Dave Ramsey's Advice
01:41 Personal Experience with Financial Peace
03:58 Long-term Financial Planning
06:23 The 4% Rule and Retirement Puzzle
14:28 Sequence of Returns Risk
19:49 Finding a Middle Ground
22:09 Conclusion and Next Steps
References
Recap on Dave Ramsey's 8% Rule - https://www.mcleanam.com/dave-ramseys-8-withdrawal-rate/
The Updated Trinity Study - https://thepoorswiss.com/updated-trinity-study/
Sequence Risk Calculator Link - https://bryanfoltice.com/resources
Bryan Foltice Behavioral Finance Website - www.bryanfoltice.com
Instagram - www.instagram.com/bryanfoltice
Linkedin - https://www.linkedin.com/in/bryan-foltice-2578a116/
Disclaimer: www.bryanfoltice.com/cv
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