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Started By
Message
Retirement nest egg - rethinking 4% rule, size of treasure chest we leave to descendants
Posted on 9/6/25 at 2:55 pm
Posted on 9/6/25 at 2:55 pm
Will retire at start of 2026.
We have had the 4% mindset in all planning. Blessed. This is slightly better than our working lifestyle. Very high probability we will not outlive our nest egg to 95yo (for conservative planning, albeit unlikely we make it that late in life), and in the P90 worst case market scenario, leaves too much to our descendants.
Plus, if natural order of life plays out, we will receive significant inheritance before we turn the lights out on our life.
Keep reading retiree advice to NOT live too conservatively early retirement years.
Retiring at 55yo.
Expecting 30yr retirement.
Planning for 40yr retirement.
In context of we want to enjoy the nest egg with our descendants (and parents while still with us) while we are alive. Not looking to leave zero, just not looking to leave big treasure chest either.
Have severance funds that will cover multiple years of retirement expenses (less concerned over sequence of returns risk).
Have pension so some guaranteed cash inflow.
Have potential inheritance likely in next 10-15 yrs.
How would you approach this scenario?
Stay conservative - 4%
Enjoy it - 6-7%
YOLO - 10% or more
We have had the 4% mindset in all planning. Blessed. This is slightly better than our working lifestyle. Very high probability we will not outlive our nest egg to 95yo (for conservative planning, albeit unlikely we make it that late in life), and in the P90 worst case market scenario, leaves too much to our descendants.
Plus, if natural order of life plays out, we will receive significant inheritance before we turn the lights out on our life.
Keep reading retiree advice to NOT live too conservatively early retirement years.
Retiring at 55yo.
Expecting 30yr retirement.
Planning for 40yr retirement.
In context of we want to enjoy the nest egg with our descendants (and parents while still with us) while we are alive. Not looking to leave zero, just not looking to leave big treasure chest either.
Have severance funds that will cover multiple years of retirement expenses (less concerned over sequence of returns risk).
Have pension so some guaranteed cash inflow.
Have potential inheritance likely in next 10-15 yrs.
How would you approach this scenario?
Stay conservative - 4%
Enjoy it - 6-7%
YOLO - 10% or more
This post was edited on 9/6/25 at 2:57 pm
13
Posted on 9/6/25 at 3:00 pm to Artificial Ignorance
My approach will be to spend more early while have health and desire to do things.
Most 80 and 90 year olds have more chill.
Most 80 and 90 year olds have more chill.
Posted on 9/6/25 at 4:14 pm to Artificial Ignorance
I’m in a similar situation. For now keeping it lower (honestly it’s still plenty) and using cash to fund significant Roth conversions over the next 10 years. Will keep future RMDs much lower.
Posted on 9/6/25 at 4:24 pm to kaaj24
quote:
Most 80 and 90 year olds have more chill.
They also often have enormous care/ end of life expenses.
Posted on 9/6/25 at 5:31 pm to TigerIron
quote:
They also often have enormous care/ end of life expenses.
Planning use of SS for this, if needed.
Have our lifestyle covered without SS.
Thoughts? One I am still thinking about so welcome input.
Posted on 9/6/25 at 7:21 pm to Artificial Ignorance
SS won’t be sufficient to cover private pay elder care costs.
Posted on 9/6/25 at 7:24 pm to Artificial Ignorance
I would go YOLO.Do the things you've dreamed about doing while you are you and healthy enough to enjoy yourselves
One thing I'd suggest is you and your wife take really good care of yourselves Join a gym and lift weights and get some cardio in on a regular basis..
One thing I'd suggest is you and your wife take really good care of yourselves Join a gym and lift weights and get some cardio in on a regular basis..
Posted on 9/6/25 at 9:00 pm to OTIS2
quote:
SS won’t be sufficient to cover private pay elder care costs.
Should cover 80% in estimation of SS and elder care costs.
In probability that we will need it at all, ok w/dat.
Posted on 9/7/25 at 9:05 am to Artificial Ignorance
quote:
How would you approach this scenario?
Been retired for nearly six years. Start off conservative (4%). Your IRA should continue to grow at least several %. Then as you get closer to 65 y/o, up it to 5% ( if necessary). Finally, when you're in your early to mid 70's, you can 1-2% higher based on the math. I would advise using 100y/o as life span for both you and your wife.
Posted on 9/7/25 at 11:10 am to Artificial Ignorance
quote:
Planning use of SS for this, if needed.
Have our lifestyle covered without SS.
Thoughts? One I am still thinking about so welcome input.
I do not want the SS/ Medicare level of care if and when I have to go in a nursing home or similar. That is, to me, a horrifying prospect.
Posted on 9/7/25 at 12:47 pm to Artificial Ignorance
Have you thought about long term care insurance? My husband and I each bought a policy when I retired (he had retired a few years before). Benefits are available immediately if need be (the benefits are higher the longer we wait to tap into each policy, of course). I smile every time I see the policy.
Gives me a great sense of security.
Gives me a great sense of security.
Posted on 9/7/25 at 1:24 pm to TigerIron
Self funding / SS as an insurance policy so to speak.
Posted on 9/7/25 at 1:42 pm to Artificial Ignorance
quote:
leaves too much to our descendants.
I don't even know what this means. How do you leave "too much" to your descendants?
Posted on 9/7/25 at 2:04 pm to imjustafatkid
Some people have the philosophy of spend it all on your kids/grandkids while you're alive and die with zero.
Or don't leave your kids an amount of money that will turn them into useless assholes.
Or don't leave your kids an amount of money that will turn them into useless assholes.
Posted on 9/7/25 at 2:09 pm to JL
quote:
Some people have the philosophy of spend it all on your kids/grandkids while you're alive and die with zero.
Or don't leave your kids an amount of money that will turn them into useless assholes.
This strikes me as a mindset of failure. Just keeping your family line stuck in the low to middle class forever.
This post was edited on 9/7/25 at 2:09 pm
Posted on 9/7/25 at 2:14 pm to imjustafatkid
That's not the point. You fund your kids college accounts, house down payment, retirement while you are alive. For your grandkids you fund sending them to private school, college, down payments for houses, retirement while you are alive so that you can watch them enjoy life more and not just let them catch millions of dollars when you die.
Basically you pay for your kids and grandkids to be upper class while you are alive vs. after you die.
Basically you pay for your kids and grandkids to be upper class while you are alive vs. after you die.
This post was edited on 9/7/25 at 2:19 pm
Posted on 9/7/25 at 2:23 pm to JL
quote:
Basically you pay for your kids and grandkids to be upper class while you are alive vs. after you die.
It is possible to do both.
Posted on 9/7/25 at 2:31 pm to imjustafatkid
Of course, it's just a philosophy. There is a book called "Die with Zero" some people are following that for retirement.
Posted on 9/7/25 at 7:25 pm to imjustafatkid
quote:
Just keeping your family line stuck in the low to middle class forever.
you clearly have never met trust fund kids.
By the time they pass, they will likely have already had grandkids out of college, they have done enough.
Posted on 9/7/25 at 7:26 pm to Artificial Ignorance
quote:
How would you approach this scenario?
Stay conservative - 4%
Enjoy it - 6-7%
How easy will it be for you to rejoin the workforce and make decent money? If that's the case, I'd enjoy it at the very least.
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