. Add in high equity valuations and historically low interest rates, and some believe FIRE is for the privileged few, not all investors.
that most retirees need 55% to 80% of their pre-retirement income to maintain their lifestyle in retirement. Based on that conclusion, Fidelity recommends saving 15% of your pre-tax income each year., the “gold standard” is retiring at age 65 with 80% income replacement, while the Silver standard is retiring with 70% income replacement.
The short answer is no, it’s not. Bengen’s work shows that out of the 51 retirement periods he considered—1926 to 1976—11 of them failed to last 50 years. Several didn’t last 40 years. As a result, for those that retire before the age of about 55, following the 4% Rule religiously could be a recipe for disaster.
'Rules of thumb' like this don't work for everyone.
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