James Bashall

speaker

199 appearances 1 recordings 1 series first heard Jan 2026 last heard 29 Jan

James Bashall’s voice in public audio — every appearance, attributed to the second.

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Recordings per month over the last 12 months — 1 in all, peaking in Jan 2026 with 1.

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NerdWallet's Smart Money Podcast · Are You Too Late for the Gold Rush? Plus: A Retirement Rule That Might Be Broken · 29 Jan 2026 podcast

So there's a bit of confusion that can come from that inverse thinking.

I'd like to add another one in there.

So we spoke about the 80% rule.

We spoke about the rule of 1,000.

There's another one, which actually I think is probably the easiest one to conceptualize, and that's the 4% rule.

And that's probably the one I lean on the most, which is...

you can withdraw 4% of your retirement savings annually to fund your retirement.

Now that 4% is a pretty simple number to understand.

Okay, multiply your asset base by 4%.

That's how much you can withdraw.

But on top of that, it's a little bit of financial math that's going on in there.

So if you withdrew 4% every year,

Effectively, you could draw that 25 times.

25 times 4 is 100%.

So you've got 25 years locked in at that exact 4%.

But there's obviously inflation and there's market growth and all those things.

The nice thing about 4% is it basically assumes that you are withdrawing the growth from your portfolio, which means your portfolio is still retaining value over time, which means you're not limited to just 25 years of retirement or 30 years of retirement.

That 4% rule for me feels, to your point, Sean, you were saying you prefer to be on the more conservative side when you're planning or the risk-averse side.

4% feels very conservative and risk-averse and something that's very manageable.

It's also very understandable.

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