# The Right Withdrawal Rate?

Page: https://stenobird.com/podcast/talking-real-money-investing-talk-201087/the-right-withdrawal-rate
Text version: https://stenobird.com/podcast/talking-real-money-investing-talk-201087/the-right-withdrawal-rate.md
Podcast: [Talking Real Money - Investing Talk](https://stenobird.com/podcast/talking-real-money-investing-talk-201087)
Published: 2026-07-08T16:00:00+00:00
Episode link: https://www.buzzsprout.com/2607021/episodes/19464572-the-right-withdrawal-rate.mp3
Audio file: https://www.buzzsprout.com/2607021/episodes/19464572-the-right-withdrawal-rate.mp3
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JSON: https://stenobird.com/v1/public/podcasts/talking-real-money-investing-talk-201087/episodes/the-right-withdrawal-rate
Duration seconds: 1688

## Resource

Tom and Don tackle one of retirement’s hardest questions: how much can you safely spend from your portfolio without blowing up the rest of your life? They walk through the familiar 4% rule, flexible withdrawal strategies, why a flat 10% withdrawal is usually fantasyland, and why the “right” spending rate depends heavily on your age, timeline, and tolerance for adjusting in bad markets. They also answer a listener question about a 22-year-old’s investment allocation and close with a timely dis...

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## Transcript

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