Sequence of Returns Risk: Why the 4% Rule Can Still Fail

Decumulation is more challenging than accumulation because market volatility can hurt retirement savings when you're selling instead of buying.

Sequence of returns risk is a major threat where the timing of market downturns during retirement can significantly impact financial sustainability.

The 'one more year' mindset can delay retirement, risking the benefits planned for the FIRE number.

It's important to consider state pensions when planning for retirement income.