Fearless Retirement: How to Retire Without Financial Worry

To drive that point home, let’s examine some retirement planning models that even a math-phobic would love because they’re so incredibly simple. You can decide for yourself if this overwhelming simplicity changes your conclusion about how much is enough to retire? The first simple model is known as the Rule of 25. According to this rule, you figure

Indeed, playing the shadow game for five years provides a permanent way out of the cave. Alternatively, it's also possible to return to the cave for a few months every year to earn money for the next adventure out of the cave. This is living on the economy, so to speak, rather than living in the economy.

However, my three-rule cash flow-based model completely eliminates poverty consciousness because you’re only spending income. You feel perpetually wealthy, abundant, and financially secure. The value of this cannot be overstated when contrasted with a traditional asset-based model.

In other words, rather than choose your spending based on your income needs, choose your spending based on what research says your assets and market conditions can support. If the markets are in the top quartile of historical valuations when you retire, then start with very conservative spending plans. You might even want to consider inflation-adju