@thewhitecoatinvestor: The Trinity Study tested a 4% withdrawal rate against nearly a century of market history. The Great Depression. Stagflation. The dot-com crash. The Global Financial Crisis. It survived 96% of the time. On average, the portfolio was worth 2.7 times more after 30 years than the day retirement started. So where does 50x come from? A 2% withdrawal rate, twice as conservative as the number backed by the data. If you retire on 50x, congrats, you just bought yourself extra years of work to die wealthier than you needed to be.

The White Coat Investor

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Thursday 03 September 2026 00:17:55 GMT