As readers of my newsletter know, in May I published research that challenges the safe withdrawal rate as potentially being TOO safe in some environments, where market valuation is not at unfavorable extremes. However, in some feedback I've received from readers, another important point is being made - in some cases, the safe withdrawal rate may also still be too aggressive!
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April is Financial Literacy Month - a time for us to reflect on what we're doing to promote and support financial literacy in the United States, and hopefully focus on making improvements. But a recent survey indicates that we need to try harder - and we might even be losing ground!
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