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Retirement Logic Diagram
Old 09-16-2012, 05:33 AM   #1
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Retirement Logic Diagram

Interesting logic diagram from

Has one make retirement decision based on "essential" expenses alone, using 3% WR. I expect there's an embedded assumption that "discretionary" expenses would be up to another 1%. Also has one use ability to return to work, if financially necessary, to help make ER and annuitization decisions. Pretty simple but, that's good; plus, I love diagrams.

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100% x 10% > 10% x 100%
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Old 09-16-2012, 06:14 AM   #2
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very cute... i think most of americas retirement plan is over on the right side.

work until you cant is the plan.

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Old 09-16-2012, 10:47 AM   #3
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If your investment withdrawals should go over the diagram's <3% safe withdrawal rate threshold (warning signs) - takes you to (1) going back to work, or (2) buying annuities. Annuity salespeople must love this diagram.
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Old 09-17-2012, 03:23 PM   #4
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This reminds me of the bacon flowchart:

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Old 09-21-2012, 07:08 AM   #5
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Originally Posted by Huston55 View Post
Interesting logic diagram from
I spent some time with Darrow at FINCON12. Good guy!

Spring 2020: my daughter and I wrote “Raising Your Money-Savvy Family For Next-Generation Financial Independence.”
Author of the book written on "The Military Guide to Financial Independence and Retirement."

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