Comments by "" (@Green__one) on "How to Retire Early (The 4% Rule?)" video.

  1. I know Ben isn't a fan of the 4% rule, and I'll admit he does make a few good points. The one point I don't like is the argument that we can't expect the same returns in the futre as in the past. This is basically a "this time is different" argument, which Ben has previously argued against in other cases (does "this time is different" only apply if predicting negative things instead of positive?) My question though is what Ben thinks about things like firecalc (firecalc.com) The premise is to put in your numbers (in quite a bit of detail if you would like to) and it will compare against every period in history to which we have data. Does the same "This time is different" argument apply? or would Ben be comfortable saying that if your numbers plot to a high probability of success in all historical periods, that you'd also be ok going forward? On a side note, I just watched Ben's video about when the best time to invest is (his answer is always "now"), and know that generally to be the case. I just got a large lump sum to add to my investments, and I must say, looking at the current markets it is taking a lot of willpower to follow that advice!
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