A bad year or two in the market early in retirement can really change that calcu... | Hacker News

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		al_borland on May 8, 2024 \| parent \| context \| favorite \| on: Neighbors Are Retiring in Their 30s. Why Can't You... A bad year or two in the market early in retirement can really change that calculation if they aren’t accounting for sequence-of-returns risk.

wskinner on May 8, 2024 [–]

The 4% rule of thumb is intended to include sequence-of-returns risk. See e.g. https://firecalc.com/, a tool commonly used to aid these decisions.

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