BiggerPockets Money Podcast — The 4% Rule Was Never Designed for FIRE’s Healthcare Reality

SCOUT· 63%57m·2026-01-30·Money

The 4% Rule Was Never Designed for FIRE’s Healthcare Reality

BiggerPockets Money Podcast · 715

The 4% rule has a major flaw: it doesn't account for healthcare costs. If you're planning to retire early, health insurance premiums will rise sharply as you age—from your 30s through your 60s before Medicare kicks in at 65. This isn't speculation; it's how the U.S. healthcare system works under the ACA. On this…

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The 4% Rule Was Never Designed for FIRE’s Healthcare Reality

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