SPIA vs TIPS Ladder at 40 for a 50-Year Retirement
SPIA vs TIPS ladder at age 40 really beats the 4% rule's initial withdrawal rate. See what that higher payout honestly costs across a 50-year retirement.
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TIPS Ladder Math at 3% Real Yields for Early Retirees
At 3% real yields, a 15-year TIPS ladder costs about $12 per $1 of annual income. Run the FIRE math on cost, payout rate, and when it beats a fund.
Asset Allocation for Early Retirement Has an Equity Floor
Asset allocation for early retirement has a computable equity floor. Derive the minimum stock bond mix whose real return clears your withdrawal rate.