Income Over Wealth

Morningstar tested nine withdrawal methods and Stanford compared 292, and the approach that keeps winning doesn't start with a rate

Show Notes

Nine withdrawal methods scored on six measures, and no method won all six. Stanford ran a separate comparison across 292 retirement income strategies and named a winner. Dan walks through what the higher starting rates cost you when the market falls, and what the winning approach handles before it sets any rate at all.

  • Why the tested methods start you anywhere from 39,000 to 57,000 a year on the same million dollars
  • The guardrails rule that would have cut a 2007 retiree's real spending 28%, and a 1965 retiree's 54%
  • What a 10% portfolio cut does when 36,000 of an 88,000 income already arrives without selling anything

Take the free Retirement Income Roadmap (7 questions, about 30 seconds): incomeoverwealth.com/map

Watch this episode on YouTube: https://www.youtube.com/watch?v=ZmQqJFNYNQU

This episode is educational and focused on strategy and math. Always consult a qualified tax or financial professional before making personal financial decisions.

What is Income Over Wealth?

Retirement is an income problem, not a net-worth problem. Dan Wilson is a real estate investor, not a financial advisor. He buys and rents houses in Ohio, funds them with private money instead of bank loans, and built enough income from real estate to leave the Air Force. Twice a week, in about fifteen minutes, he works out how to replace a paycheck in retirement: where monthly income actually comes from, what each source costs you in risk, and how private lending works, including what to demand from any borrower. Every episode is also a video on YouTube. Free tools, the weekly letter, and every episode's notes are at https://incomeoverwealth.com. Educational only. Not financial, legal, tax, or investment advice, and not an offer or solicitation of any investment.