How to Spend MORE in Retirement (Evidence Based Strategy)

And Retire Earlier Than Planned? Dave Zoller, CFP®
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00:00 Can You Really Retire Earlier and Spend More?
00:22 3 Things in this video
00:30 Some real $$$ examples
01:27 3-Step Filter
02:16 What If we want to spend more than the 4% Rule
03:15 The Result is increased Peace of Mind
04:06 ID which Market we just experienced
05:05 Scenario
06:28 Why this could work
07:42 An Example
09:02 How money disappears
09:36 Your own scenario
10:50 Even more important than investments?
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Disclosures: Securities offered through LaSalle St. Securities LLC (LSS), member FINRA/SIPC. Advisory services offered through LaSalle St. Investment Advisors LLC (LSIA), a Registered Investment Advisor. Streamline Financial Services is not affiliated with LSS or LSIA. LSS is affiliated with LSIA.

[@user-un2bo9mm4d]

Excellent advice. My only problem is that the division between my needs and wants is complicated by my need to have ALL my wants.

[@pensacola321]

My retirement plan was built on having plenty income. I don't much worry about markets. The go-go years are too short to not be able to do as you wish... Within your overall means .

[@nathaniverson]

This is unique content This is really helpful in how to evaluate or think about handling sequence of returns risk. I don't see this covered by other KZbin creators. Thanks for not putting out highly redundant content already covered by 1000 other creators.

[@StreamlineFinancial]

Thank you! Glad it was helpful!

[@randolphbehm877]

Just so we’re clear, Fishing goes in the NEEDs category…😂

[@jimclark5037]

super helpful to know your numbers for needs vs wants to reduce anxiety and avoid sequence of return issues

[@dominic8218]

Excellent video Dave. Kept simple and easy to understand 👍🏻

[@ld5714]

Hi Dave. This was an excellent video and discussion providing a unique way to view spending. The timing is good because I, like so many others, are finishing up their year end and next year planning. I am 12+ years into my retirement journey. Thanks for sharing your insights on this channel. Larry, Central Valley, Ca.

[@HopeToProsper]

This is a great plan for calculating withdrawal rates, and it's very easy to implement. I have always thought the 4% rule was too conservative, if you are flexible and watch out for Sequence of Return losses. I am withdrawing 5% with Guyton's Guardrails, but this seems much simpler. Thanks for sharing this plan.

[@cdd4530]

Hi Dave, thanks for more great content. I have a question, for taxes & rate of return purposes, is it better to take out a lump sum in the beginning of the year from your portfolio to cover expenses throughout the year or through monthly withdrawals as needed? Can’t find much info on portfolio withdrawal strategies and how to go about withdrawing from IRA/401-K.

[@wildfoodietours]

Love this variable withdrawal strategy to keep your portfolio healthy with a long-term investing mindset. It allows you to spend more or save less...win, win!

[@jfk5402]

Thank you Dave. Never thought the numbers could be looked at or managed in this interesting way. Wonder if there are additional inputs if one has higher ratio of wants during the go-go years vs higher ratio of needs during the slow-go or no-go years

[@neohermitist]

It really is all about budgeting and being flexible.

[@Quasoncaviness2]

Most Americans find it hard to retire comfortably amid economy downtrend. Some have close to nothing going into retirement, my question is, will you pay off mortgage as a near-retiree, or spread money for cashflow, to afford lifestyle after retirement?

[@LoveKills70]

Your are awesome Thank you

[@rootedrotor525]

They need to do this model based on CAPE. With market at all time highs, I would ratchet down these numbers a lot.

[@coastalhillbilly3419]

Or as our grandfathers use to say, ends gotta meet, save for a rainy day

[@clbcl5]

When you say 40K withdraw, is that based on 1 withdraw or 12 $3,333 withdraws? Big difference. Just my opinion, take what you need per month to a limit.

[@highsiderider]

Can you please elaborate on this? Thanks.

[@user-jv5be6jx7z]

Escellent video. My big question is how do you know if your in a Bear market until you've been through it (seen the recent past returns)? Or is this meant to "react" to last year's market performance? Thank you.

[@BenHolliday1]

Is a bull market what you call a normal market?

[@johnurban7333]

Still looking for that video that doesn’t use one million dollars. No one I know has a million nor needs a million to live on. If anyone can direct me to a video that’s for the average wage earner I would appreciate it

[@canyonoverlook9937]

Do you go by what the S&P 500 has done or what your porfolio has done? A 60/40 might not be 20 percent down if the s&p 500 is down 20 percent becauase of the bond allocation.

[@benjaminocampo3359]

All we need is the right advice on how to invest and we will be set for life, I have been making $18k weekly from trading and I'm happy about it..