Ben not once claimed that a 2.7% SWR is the way to go of even that fixed WR are preferable at all, in fact he mentions that other strategies are superior. The main point if his video is: if your going for a SWR-strategy, 4% is too damn high

I have been living in several countries outside the US, and I can tell that this study has the typical North American bias. Nobody in a European country would think about limiting their investment to their home country. Outside the US, "international" as represented eg. in an MSCI World ETF (often adding emerging markets) is the default (if ever they limit themselves to one country it would be the US ;-). This should result in lower volatility thanks to greater diversification.

I feel like "gut guardrails" will work fine. I'll start taking 4%. if my portfolio is down the following year, I'll take less, if it's up significantly, I'll get a raise. Nobody knows for sure what will happen so why spend days doing calculations unless you enjoy it!

Your interview with Bill Bingen the founder of the 4% rule and the fact he's sitting 90% cash is scary that the founder of the 4% rule doesn't follow the 4% rule.

I think a safe withdrawal rate would be 0% per year.

2.7% withdrawal rate? That is the saddest thing I have ever heard. May as well just work until death.

Very well-reasoned episode. 9 out of 10 don't live into their 90's. I think we can take a small percentage risk that we will not. I certainly can almost guarantee i will not.

Wow, what a great video Rob! So many other channels tell you what to believe with no analysis or rationale behind it. As an investor who enjoys getting into the data this video is pure gold. Thanks for not dumbing things down and trusting the intelligence of your viewers.

Your 2-3% withdrawal rate based on retirement age for reasonably comfortable minimal necessary expenses is I think the best advice you’ve given so far... and it’s what I’ve positioned for as well. Appreciate your work and channel.

Thank you for the insight Rob. In my mind, the more risks you account for, the lower your safe withdrawl rate becomes until you get to nuclear winter, at which point the safe withdrawl rate is a well stocked bunker. The best anyone can do is to make an educated guess and be flexible. No matter how much you have saved, there are plenty of Americans retiring with zero savings, and they must be getting by some how.

You are absolutely the best man thank you so much for putting this out

I am not an english native and like following you because you speak very clear. this makes you a great finance expert for much more people than english ones.

Excellent video, I like the idea of having two withdrawal rates, one for normal living and one for belt tightening. Helps to know we could still make it even if times got tough.

Very thoughtful common sense analysis, as in most of your videos. Thanks Rob. Keep up the good work.

Probably your best video of all that I've watched ("a lot"), Rob, thanks.

Love it when both (this and Ben's) base arguments of intellectual experience

What a great topic all compiled into a short video. Thanks for all the great content.

Excellent! Thank you

Problems aside. This study will serve as a reminder that a safe withdrawal rate can't be guaranteed.

Very good points and analysis