This is What A $3 Million Early Retirement Withdrawal Strategy Looks Like (Real Life Example)

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In this video I go through a $3 million early retire withdrawal strategy.

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[mikeflair]

Accumulation phase never ends. I am 70, 12 years retired, and I remain in 100% Stock ETF (vanguard vti). Do not fear volatility, take advantage of it. Stay the course, capital gains and dividend re-investment is the real engine of growth. Social security is an annuity, you do not need another.

[Patrick-iqdo]

I'm single with $3M net worth. I'm transitioning from buying annuities back to investing in the stock market again (post-retirement). So this particular case study was very helpful. Thank you!

[hejiranyc]

This is 90% my situation. I’m 55, single, $3m in investable assets/cash, and I want to have $10K/month of after-tax income. That being said, I plan to work a couple more years and hope to have close to $4m when I retire. It seems to me that retiring early with $3m is dancing a bit close to the edge for me.

[andrew]

Very interesting, and I like that it's focused on a single person. For me personally, the ~80% equity is too much for my risk tolerance, but I would also retire with much lower monthly spending.

[jgonz]

You could sell 100 cash secured puts on NVDA with the 1.2 million in the brokerage account, get 11K in premium for this week coming up, minus whatever in taxes that is, put the 401k in the SPY and your golden. Or do that with AAPL, less volatile, get $5, 100 in premium for next week.

[tdaveniii]

Doesn't Vanguard Total Stock include small caps already? Does Total international Stock Index include Emerging Mkts?

[timellyou]

I like the idea of a dynamic withdrawal strategy and guardrails but in the Great Depression scenario the spending is reduced before reaching the first lower guardrail in July 1932. I thought the income was kept constant (adjusted for inflation) until an upper or lower guardrail is reached. Also since there is only one red line and one green line (upper guardrail) shouldn't there only be a total of two adjustments to spending over that period?

[muubie]

How do we determine at what levels to place the upper and lower guardrails? Do we use a fixed percentage?

[joesph]

Perhaps I didn’t 0:03 catch this in the video but as I understand the person has $3 million and wants $10k per month after tax. How much are you calculating for tax each year. Because using the 4% withdrawal it’s $120k per year pre tax at 5% it’s 150k pre tax. I don’t see how you left room to pay tax and what your assumptions are there.