May the 4th be with you! Three years of early retirement ✅ Mr. investment balance consists of rollover IRA, Roth IRA and Mr. HSA. From 1.263m to just over 2m. Monthly increase average over 36 months is $21,402. Way more than my monthly paycheck ever delivered. I still don’t miss working 🙃
| Month end | Mr. investment balance | Monthly increase (1 yr delta / 12) | Monthly 4% withdrawal rate / 12 |
| April 2024 | $1,484,370 | $221,361 / 12 = $18,446 | $4,947 |
| April 2025 | $1,635,788 | $151,418 / 12 = $12,618 | $5,452 |
| April 2026 | $2,033,512 | $397,724 / 12 = $33,143 | $6,778 |
The 4% Rule: balance x 0.04 or balance / 25 = safe portfolio supported annual spending. Conversely annual spending x 25 = retirement balance goal. Adjust accordingly (3-5%) for your own definition of *safe*.
