Monthly Archives: November 2025

FIRE.234 Personal Finance

On Fact Central (Facebook), there was a post in a FI group asking about how closely people followed the 4% (or other %) rule, like it was the gospel of cash flow.  Their question steered towards the guardrails withdrawal approach, which is structured to withdraw more (spending) when markets are good and less (spending) when markets are bad.  SUPER INTERESTING strategy.

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