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The 4% rule (or more accurately, the 4% rule of thumb), also called the safe withdrawal rate, was introduced in 1994 by financial advisor William Bengen but was popularized by the Trinity Study, which refers to a paper written by three professors at Trinity University in 1998.

It provides a guide for how to know when you can retire - and how to determine how much you need to retire, based on your required annual spending. The professors took a look at data from 1926 to 1995 and played out different retirement scenarios to figure out which scenario would provide the highest likelihood of 'success'. Their definition of success was that in these hypotheticals, you wouldn't run out of money during your retirement period.

In most cases (unless your allocation was 100% bonds), it seemed that a 4% withdrawal rate would have succeeded. The video will explain this, how it applies to you, and a few caveats you might want to think about.

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A deeper look into the mechanics of human nature.
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Hey everybody welcome to another episode of memes of the week. The best thing you can do for this channel is smash the like button like it's your Alabama cousin so that it reaches a wider audience. Also before I get on with the memes first a word from today's sponsor Me The Sandman:

American Woman In Korea Thinks She's A 10. The Inflation OF Ego

When the "Social Arbitrage" doesn't favour you. We’re heading to Seoul to analyse a classic case of the "Sunk Cost Trap" in the modern dating economy.

In Part One, we break down the Inflation of Ego. An American woman travels to Korea with "10/10" expectations, only to find a market of average men she deems "unworthy." But is the market the problem, or is it a catastrophic miscalculation of her own social value? We look at how entitlement functions as a social liability when you’re operating in a culture that doesn't buy into the Western "Main Character" narrative.

In Part Two, we tackle the Singlehood Economy. Why are women keeping other women single? We explore the peer-driven "gatekeeping" and false affirmations that prevent women from finding genuine peace, all to maintain a collective ego that is currently crashing in the dating stock market.

The "exit fee" for these delusions is rising. Are you prepared to pay it, or are you looking for a way out?


#ReplicantPhish #SocialArbitrage #DatingEconomy #SunkCostFallacy #EgoInflation #ModernRelationships

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Mirrored Content

What if luck isn't random? What if the universe has a twisted sense of humor, or worse, a personal grudge? This is a deep dive into the true stories of 10 people who were living proof.

From a park ranger struck by lightning SEVEN times to the woman who survived the sinking of the Titanic AND its two sister ships, we're exploring the lives of history's unluckiest people. These aren't just accidents; they are statistically impossible cascades of calamity that make you question the nature of reality itself.

Join our investigation into the people who became cosmic punching bags, including:

Roy Sullivan: The human lightning rod.
Violet Jessop: The "unsinkable" woman who survived three maritime disasters.
Tsutomu Yamaguchi: The man who survived the atomic bomb... twice.
Walter Summerford: The man lightning chased even beyond the grave.

If you love weird history, bizarre true stories, and unexplained phenomena, subscribe for more deep dives into life's oddest whys.

Germany Brings Back the Draft… For Men Only. And Feminists Are NOWHERE to Be Found. Modern Dating is confusing for men and women. Disclaimer:
This video contains commentary and analysis for educational and entertainment purposes. Clips are used under fair use for critique and discussion.

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