re: Did y'all catch Dave Ramsey rip George Kamel apart over withdrawing 4% from retirement?

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Also his "well I get 12-13% annually on my portfolio" is utter horseshite if he follows his own investment advice which is 25% large/middle/small cap growth each and then 25% more in international. International has been utter crap for a long time now, there's no way a 25% even breakdown among those categories is giving you a 12-13% annual rate of return over the last decade or two. Moneyguy shows busted this up pretty bad before on Ramsey testing his hypothetical portfolio, where they even chose some of the best in his categories and came nowhere near a 12-13% annual rate of return.

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These magical investments are always the thing that kills any analysis of his investment advice.

We can all crate hypothetical scenarios of amazing ways to invest if we get to rely on magical unicorn investment outlets.