The Most HATED Retirement Strategy (but it works GREAT)

Onda

Onda

Full time employment: Posting here.
Joined
Dec 1, 2023
Messages
727
There is a retirement strategy that gets openly mocked in FIRE circles, routinely called “irresponsible,” and dismissed without being examined.

It quietly outperforms the strategies most early retirees rely on — including during long retirements.

 
I watched the video on a whim. To summarize - IF you decrease inflation-adjusted spending over time, THEN you can spend more initially.

Hardly a new conclusion. The big question is, can YOU do it?
 
TickTock said:
I watched the video on a whim. To summarize - IF you decrease inflation-adjusted spending over time, THEN you can spend more initially.

Hardly a new conclusion. The big question is, can YOU do it?
Click to expand...
Duh!
 
I don’t model it in FireCalc that way, but I do believe there will be years where my spending is less than my starting number. FireCalc does model this as an option (Bernicke's Reality Retirement Planning). I looked at that but I feel not using that method is one more way I can be conservative. I’m not a die with zero type. My conservatism is basically my LTC cushion and if I don’t spend it, I have no issues with it going to my heirs.
 
I believe retirement spending is U shaped. We’re at the bottom of the U at this time. This sequence is where a majority pass and the odds turn increasingly against you if you don’t. So sure as long as you don’t live long enough to cross over to the right side too far this would work.

At the bottom of the U we’re naturally piling up money because the big spending is over. It’s not really a forced issue. I wanted big cash flow at the start that still exists and is accelerating due to compounding.

After dealing with 2 sets of parents I also learned to have a set aside on reinvestment as backup for possible later life issues which I started about 8 years before retirement. I wanted the extra security to deal with what actually happens in the future.
 
All this assumes someone is underspending in their retirement. What about people spending all they want and still have tiny withdrawal percentages?
 
It’s really hard for me to watch videos to learn stuff. And many folks just go on and on about stuff, taking forever to get to the point. Is there really some benefit to them to drag things out?

I watched some user videos on a piece of equipment I was getting ready to use recently, and needed more info, so I was a motivated watcher. Interesting, but boy it was really tough sitting through all those drawn out videos. Still didn’t complete, ha ha.
 
audreyh1 said:
It’s really hard for me to watch videos to learn stuff. And many folks just go on and on about stuff, taking forever to get to the point. Is there really some benefit to them to drag things out?

I watched some user videos on a piece of equipment I was getting ready to use recently, and needed more info, so I was a motivated watcher. Interesting, but boy it was really tough sitting through all those drawn out videos. Still didn’t complete, ha ha.
Click to expand...
This is why I never could be a content provider in the current world. One of my Megacorp nicknames was "Mr. Net It Out" 😂 . I could not drag talking out any more than necessary to explain a concept. From my technical presentation days, my model was "tell them what you are going to tell them, then tell them, then tell them what you just told them". That sadly does not make for long audio or video content 😂.
 
audreyh1 said:
It’s really hard for me to watch videos to learn stuff. And many folks just go on and on about stuff, taking forever to get to the point. Is there really some benefit to them to drag things out?

I watched some user videos on a piece of equipment I was getting ready to use recently, and needed more info, so I was a motivated watcher. Interesting, but boy it was really tough sitting through all those drawn out videos. Still didn’t complete, ha ha.
Click to expand...
"Is there really some benefit to them to drag things out?"

I think there is. Not a YT expert but I think"screen time" matters maybe even more than clicks. Not sure. Not gonna watch anyway. I have my strategy in place, it works, and I am already retired. I'll just continue on doing what I do.
 
mykes2025 said:
"Is there really some benefit to them to drag things out?"

I think there is. Not a YT expert but I think"screen time" matters maybe even more than clicks. Not sure. Not gonna watch anyway. I have my strategy in place, it works, and I am already retired. I'll just continue on doing what I do.
Click to expand...
I was wondering. Now there are YouTube ads, but that wasn’t always true and some of these videos didn’t have ads past the start.
 
audreyh1 said:
It’s really hard for me to watch videos to learn stuff. And many folks just go on and on about stuff, taking forever to get to the point. Is there really some benefit to them to drag things out?
Click to expand...

I almost always play videos at 1.5x speed. I bet you do, too!
 
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