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After graduating with $75,000 in student loan debt, Ryan began a professional career in finance, aggressively saved and invested and became a self-made millennial millionaire in early 2019. He holds a Master's degree in Computational Finance, a Master's degree in Economics, and a Bachelor's degree in Mathematics. His two passions are investing and traveling.

One thought on “4% of $1 Million To Retire Early? Read The Unpopular Truth

  1. Very insightful post. I previously was using 8% annual growth and 4% withdrawal for FI planning purposes. I was never necessarily using the standard $1,000,000 – but I was using 25x my annual expenses. After the COVID-19 crisis hit, it was the first time my net worth actually took a dip (usually our investment contributions make up for any market corrections, which leaves us with a constant upward trend). That was pretty scary! I’ve since started using a 7% growth and 3.5% withdrawal rate for planning. This post inspired me to maybe be even a little more conservative. Maybe 5-6% growth and 3% withdrawal.

    I really think I would have a hard time quitting my job and living off of a $1,000,000 investment portfolio in my mid 30’s. At the very least, I’d be open to slowing down the rate at which I’m investing, but not too sure about actually living off the investments. It feels risky if I’m still able to earn decent income doing something I enjoy.

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