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Planning for Large Costs in Retirement | Beyond the 4% Rule

Listener Sherry asks a good question: How do large, one-off expenses (like a new roof, new car, etc.) fit in the 4% Rule? James explains the concept of the 4% Rule and its limitations while demonstrating how it can be an effective guideline in planning and forecasting retirement success. He addresses the importance of anticipating one-off expenses and, depending on your portfolio withdrawal rate, using sinking funds to get a reality check on where you stand. Questions answered: Are one-off expenses covered in the 4% Rule? Who should be concerned with creating sinking funds for one-off expenses? ======================= Learn the tips & strategies to get the most out of life with your money. Get started today → https://www.rootfinancialpartners.com/ Get access to the retirement software I use in this video and more → https://retirement-planning-academy.m... 🔔 Make sure to subscribe here to be notified for future videos!    / @rootfp   _ _ 👥 Make sure to connect with us on all socials below → https://beacons.ai/rootfinancialpartners ⏱Timestamps:⏱ 0:00 - Sherry’s question 3:19 - Shortcomings of the 4% Rule 5:30 - Look at income and outcome 6:58 - Portfolio withdrawal rate 10:51 - Example of no margin 13:02 - Sinking funds 16:57 - New reality check 18:49 - Consider the duration of expenses 20:17 - The wrap-up Other videos we think you'll like: About Root:    • Financial advisors with heart.   Worried about retirement? Start here:    • Worried About Retirement..Start With ...