Do You Use the 4% Rule to Set Your Investment Goal?
@Tiger_comments：
In yesterday's livestream, @谋定后动 mentioned the 4% Rule for wealth freedom. Wealth Freedom Goal = monthly expenses × 12 months ÷ 4%The 4% Rule is based on the assumption that withdrawing 4% of your savings each year will allow you to live off your investments without exhausting them too soon.Do you agree with this principle? Calculate Monthly Expenses: Determine how much you spend each month.Annualize Expenses: Multiply monthly expenses by 12 to get annual expenses.Estimate Required Savings: Divide annual expenses by 4%.Example:If your monthly expenses are $10,000:Annual expenses = $10,000 × 12 = $120,000Required savings = $120,000 ÷ 0.04 = $3,000,000This means you need $3,000,000 to live off 4% of your savings annually, achieving finan