# 87. How to Retire Faster With the Updated 4% Rule (Now 4.7%)

Page: https://stenobird.com/podcast/freedom-before-fi-life-design-purpose-sabbaticals-coast-fi-financial-independence-fire-6883474/87-how-to-retire-faster-with-the-updated-4-rule-now-4-7
Text version: https://stenobird.com/podcast/freedom-before-fi-life-design-purpose-sabbaticals-coast-fi-financial-independence-fire-6883474/87-how-to-retire-faster-with-the-updated-4-rule-now-4-7.md
Podcast: [Freedom Before FI | Life Design, Purpose, Sabbaticals, Coast FI & Financial Independence (FIRE)](https://stenobird.com/podcast/freedom-before-fi-life-design-purpose-sabbaticals-coast-fi-financial-independence-fire-6883474)
Published: 2025-11-21T02:12:35+00:00
Episode link: https://podcasters.spotify.com/pod/show/freedombeforefi/episodes/87--How-to-Retire-Faster-With-the-Updated-4-Rule-Now-4-7-e3b8rb7
Audio file: https://anchor.fm/s/e911d5e8/podcast/play/111487783/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2025-10-21%2F7c97da4d-57f1-6b7f-ed16-5435e98523ed.mp3
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Duration seconds: 626

## Resource

The 4% rule has been one of the pillars of the FIRE community. It represents how much we can safely withdraw from our investment portfolio in retirement and It’s how we’ve calculated our FIRE number (or Nest Egg). It’s a great starting point to get into FIRE. The person who came up with the rule in 1994, Bill Bengan has now updated the rule to 4.7%. This now brings a lot of positives, one of them being we might be able to retire sooner than we originally thought. On this episode I discuss this amongst other pros and cons of the new update. Freedom Before FI Links: Free Guides: Download the free ‘Freedom Ideas’ Cheat Sheet and the free ‘Find Your Purpose’ worksheet at: https://freedombeforefi.com/free-guides/ Website: Check out our resources and services at www.freedombeforefi.com Email: If you want to connect, send me a note at greg@freedombeforefi.com Instagram: or send a DM at Instagram Link Youtube: https://www.youtube.com/@FreedomBeforeFI Linktree (all links) : https://linktr.ee/freedombeforefi Disclaimer: This podcast is for informational purposes only and should not be considered as financial advice

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