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3d •
The 4% rule almost talked me out of retiring.
Back when I was planning my own exit, the advice was everywhere. Save a big number, pull 4% a year, and hope it lasts 30 years. I ran that math over and over. It never once felt like a good plan. It felt like a countdown. What changed things for me was a small shift. I stopped asking how long my savings would last, and started asking how to build income that keeps showing up whether the market is up or down. That is the whole idea behind stacking a few income streams instead of leaning on one. One stream is fragile. A stack is resilient. Did the 4% rule ever actually feel like a plan to you, or more like a countdown? -Rich
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Jun 20 •
👋🏼 Welcome to Retire Ready — you're in.
If you're here, you're probably asking some version of one question: "Can I actually retire, and stay retired without trading hours for dollars again?" That's the question this community was built to solve. I won't sell you hype. I'll walk you through exactly what I am doing to run a 2-hour a day side hustle with affiliate marketing, AI tools, and digital marketing — all designed for 50+ers chasing that retirement dream. 🏖️ Your first 24 hours: ✅ Open the Start Here module (Classroom) ✅ Grab the 2-Hour Workday Blueprint ✅ Drop a quick intro below — where you're at, and the one thing you want to figure out 👍🏻 — Rich 🤖
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Jun 20 •
📌 Start Here → Your Next Chapter
1️⃣ Open the Start Here module (Classroom → START HERE) 2️⃣ Grab the Retirement Income Blueprint📘 3️⃣ Add your intro to the Welcome thread above 🙋🏼♀️ 🙋🏼♂️ 4️⃣ Want to talk it through? Book a 1:1 Discovery Call 🔥 What you can expect each week: ✅ Poll of the Week — share your take ✅ Tip of the Week — to get you closer to retirement ✅ Live monthly Q&A with Rich
2d •
Your gross is not your net
Most people are surprised to learn their taxes do not retire when they do. Up to 85% of your Social Security can be taxable, and required withdrawals from your retirement accounts start in your 70s whether you need the money or not. Here is a move you can make this month: pull last year's tax return and find your effective tax rate, then apply it to the income you are planning to live on. That is the number that actually hits your bank account. Most people plan around the bigger, pre-tax number and get surprised every April. The streams I lean on now behave differently at tax time, which is part of why I stopped counting on one number. Have you run your retirement income at your real, after-tax rate yet? -Rich This is one person's experience and research, not financial advice or a promise of results. Income from any stream varies.
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4d •
Which one are you actually worried about?
A question for you. I read a line last week that stopped me. Someone wrote, "I'm not worried about retiring. I'm worried about staying retired." That is the whole thing in 1 sentence, and it is not what most planning talks about. So which one are you actually worried about? Getting out, or staying out? I read every reply in here. -Rich
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