My husband and I have been shoveling money into retirement accounts with the goal of retiring in 20 years - how should I factor inflation into our plans?
Briefly

from 24/7 Wall St.1 day ago
The FIRE (Financial Independence Retire Early) philosophy promotes personalized financial planning, allowing individuals to utilize various income sources and assets. However, many FIRE strategies, particularly the 4% safe withdrawal rate, can be overly optimistic based on historical market conditions. Adjustments for inflation and conservative estimations become critical as they help individuals create a more realistic and sustainable retirement plan over market fluctuations. Tax-deferred options like 457b plans and HSAs should also be integrated into overall financial strategies, reflecting diverse approaches to building wealth for retirement.
The FIRE ethos encourages individuals to personalize their financial strategies, mixing various income sources and assets, accommodating different approaches to achieving financial independence.
24/7 Wall St.https://247wallst.com/personal-finance/2025/04/22/my-husband-and-i-have-been-shoveling-money-into-retirement-accounts-with-the-goal-of-retiring-in-20-years-how-should-i-factor-inflation-into-our-plans/
While approachable, many FIRE models, including the 4% withdrawal rate, can be overly reliant on optimistic assumptions about market conditions and inflation.
24/7 Wall St.https://247wallst.com/personal-finance/2025/04/22/my-husband-and-i-have-been-shoveling-money-into-retirement-accounts-with-the-goal-of-retiring-in-20-years-how-should-i-factor-inflation-into-our-plans/
Read at 24/7 Wall St.
#fire #financial-independence #retirement-planning #investment-strategies #inflation
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