{"podcast":{"title":"Freedom Before FI | Life Design, Purpose, Sabbaticals, Coast FI & Financial Independence (FIRE)","slug":"freedom-before-fi-life-design-purpose-sabbaticals-coast-fi-financial-independence-fire-6883474","podcast_index_feed_id":6883474,"rss_url":"https://anchor.fm/s/e911d5e8/podcast/rss","website_url":"https://freedombeforefi.com/","image_url":"https://d3t3ozftmdmh3i.cloudfront.net/staging/podcast_uploaded_nologo/39002602/39002602-1722564190848-f8c69f4d6ca61.jpg","author":"Greg, a Life Design and FI Enthusiast","episode_count":104,"summary":"The road to Financial Independence (FI) can seem long and out of reach. Luckily, there are ways to get freedom way before reaching FI! Using FI strategies and Life Design, we discuss practical tips to help you buy your time back, so you can start enjoying your journey to FIRE (Financial Independence Retire Early), instead of delaying your freedom until you retired. Whether you want to be debt free, quit a job, spend more time with family, start a passion project, change career, take a sabbatical, find purpose, do nomadic travel or even geographic arbitrage, we got you covered. Let's do this!","last_synced_at":"2026-06-07T00:18:03.559290+00:00","page_url":"https://stenobird.com/podcast/freedom-before-fi-life-design-purpose-sabbaticals-coast-fi-financial-independence-fire-6883474"},"episode":{"title":"87. How to Retire Faster With the Updated 4% Rule (Now 4.7%)","slug":"87-how-to-retire-faster-with-the-updated-4-rule-now-4-7","published_at":"2025-11-21T02:12:35+00:00","page_url":"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","show_page_url":"https://stenobird.com/podcast/freedom-before-fi-life-design-purpose-sabbaticals-coast-fi-financial-independence-fire-6883474","url":"https://podcasters.spotify.com/pod/show/freedombeforefi/episodes/87--How-to-Retire-Faster-With-the-Updated-4-Rule-Now-4-7-e3b8rb7","audio_url":"https://anchor.fm/s/e911d5e8/podcast/play/111487783/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2025-10-21%2F7c97da4d-57f1-6b7f-ed16-5435e98523ed.mp3","summary":"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","meta_description":"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 a…","key_points":[],"chapters":[],"topics":[],"duration_seconds":626,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/freedom-before-fi-life-design-purpose-sabbaticals-coast-fi-financial-independence-fire-6883474/episodes/87-how-to-retire-faster-with-the-updated-4-rule-now-4-7/transcription-requests","description":"Idempotently request low-priority transcript generation for this episode."},{"name":"read_markdown","method":"GET","url":"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","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}