What is the Portfolio Waterfall? With it, can you really get a SAFE 6% withdrawal rate in retirement? Is the 4% rule dead in light of this new, revolutionary, strategy?

00:00 - Intro

00:39 - Brainstorming with Bears, Honey, and Helicopters

06:12 - Portfolio Waterfall Explained

13:21 - Results of My Portfolio Waterfall Study - (20 years)

15:07 - What's the Tradeoff??

17:17 - 30 Year Results

18:15 - 40 Year Results

18:55 - 50 Year Results

19:27 - Characterizing the Portfolio Waterfall

20:15 - 60 Year Results

21:03 - Ending Nest Egg Value Tradeoff Abated!

21:37 - My Thoughts on These Results

22:13 - Assumptions for My Proof of Concept Model

23:01 - Historical Data

27:40 - Simulated Data

35:41 - Portfolio Waterfall Website - https://portfoliowaterfall.com/

36:27 - Closing Thoughts

Today's episode covers a very new and revolutionary topic that applies some NEW ideas. For this reason, in today's story, Jay shares a how some seemingly silly brainstorming resulted in a real solution to power outages in Alaska. This story involves bears, honey, and helicopters. The lesson here in is how real solutions and progress can benefit from open-minded efforts to think critically even when an idea seems pretty out there.

The main topic explains a revolutionary new retirement distribution strategy - the Portfolio Waterfall! This is the brain child of the financial adviser, Josh Curtis. These results are ASTOUNDING! Can this strategy actually DOUBLE your income in retirement? Is the 4% rule history? Be sure to listen all the way through to fully understand the assumptions of this model. The simulated results required a new method of modeling fully unique to our work here at HopeFilled Financial Coaching. We welcome your comments and questions on this topic. We are sincerely excited to share this exciting strategy with you.

For more background on this strategy check out these videos:

• Mutual Funds Uncovered: https://youtu.be/TJGnWQMMtAA
• New Retirement Study: https://youtu.be/I8TFUMUnG3E
• How to Never Run Out of Money: https://youtu.be/NDYPoIBeX0A
• Kicking the Bucket Retirement Strategy: https://youtu.be/JDfOsfrIhFs
• Viral 8% Dave Ramsey Call Episode: https://www.youtube.com/watch?v=BugfOEGzG0Y

Note: I mentioned in this episode that the latest study I completed for comparison is from January. This study and the above episode on it were published in March of this year even though the work on the model started in January.

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Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.

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Music: "Take Me Higher" by Jahzzar

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