Comments on: Dave Ramsey Retirement Withdrawal Rate Will Ruin You

By: Caleb Begly Fun and Tech

Caleb Begly Fun and Tech — Sat, 18 Nov 2023 14:14:51 +0000

In reply to Jonathan Gamble. The bigger issue is that he's ignoring *sequence of return risk*. Even if you look at funds that have returned over 12% on average over a thirty-year period, they have high up years and high down years, and if you have too many down years early on in retirement, it will wipe you out.

By: Marty I

Marty I — Sat, 18 Nov 2023 11:52:58 +0000

Dave’s advice on retirement investing and withdrawal rate will crack and scramble a portfolio!

By: Sig Landoe

Sig Landoe — Sat, 18 Nov 2023 06:06:28 +0000

In reply to Douglas Brinkman. It doesn’t affect him, so it doesn’t matter. He won’t be the one going bankrupt, this time

By: Steve Hoff

Steve Hoff — Sat, 18 Nov 2023 02:35:11 +0000

I’m shooting for between 3-3.5% and planning on continued growth of my portfolio. 8%? Ha, only a fool or someone who doesn’t mind exhausting their nest egg would do that.

By: southrichmondtofl

southrichmondtofl — Sat, 18 Nov 2023 00:47:27 +0000

In reply to Lance Kaminsky. Thats how marketing companies (ramsey solutions) work.

By: Robert Taylor

Robert Taylor — Fri, 17 Nov 2023 23:09:02 +0000

Dave should recognize that times have changed and the data that TMG presented is real and is sound logic. 8% is not the best withdrawal rate, it has been a rollercoaster over 4 weeks been think how to diversify $100,000 market capital.

By: Douglas Brinkman

Douglas Brinkman — Fri, 17 Nov 2023 22:31:56 +0000

Dave is very comfortable taking large risks with YOUR money.

By: Jonathan Gamble

Jonathan Gamble — Fri, 17 Nov 2023 22:07:52 +0000

He’s assuming a 12% return, which is ridiculous for most people to get outside of luck

By: Jazz Wealth Managers

Jazz Wealth Managers — Fri, 17 Nov 2023 22:05:58 +0000

In reply to Steve T. Great comparison

By: Jazz Wealth Managers

Jazz Wealth Managers — Fri, 17 Nov 2023 22:05:09 +0000

In reply to Scott. Thanks, Scott!