SCOUT· 40%46m·2026-10-06·MoneyHow Much Can You Safely Withdraw in Early Retirement? | Christine Benz
How much do you actually need to retire, and once you get there, how do you turn your portfolio into income without running out of money? In this episode, Christine Benz from Morningstar joins us to talk about one of the biggest challenges of early retirement: decumulation. We get into how much you can realistically…
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What people are saying
“Really enjoyed the conversation, there were a lot of good points throughout. For me, Big Ern is still the person I trust most on the quantitative side of early retirement. There are plenty of smart experts, but very few have the statistical…”
“Let me get this right. Did she have 5.5 withdrawal rate for starting in January 2023? Can you ask her what was her prediction after the market crash? The entire cognitive dissonance is just staggering. She wants to cut the withdrawal rate b…”
“ok- I love Christine and I really respect the questions here. But I must say Scott asked the main question which I'm completely going towards... that solves for all the questions that happen after. With a SWR of 5.2% guaranteed by a 30 year…”
“How does social security fall into these discussions on “x” % withdrawals? Especially for people less than 5 years of retirement where it’s an almost absolute it will be available at current or close to current estimates. For a married coup…”
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