An Alternative to the 4% Rule | Episode 010

Mark's Money Mind
An Alternative to the 4% Rule | Episode 010

Mark Trautman, Bill Yount, and Becky Heptig dive into the Secure Retirement Income Process created by the co-host of The Retirement and IRA Show. The conversation contrasts the conventional 4% safe withdrawal rule with this alternative and delves into leveraging Social Security, pensions, and annuities for a steady income stream. 

Highlighted topics include optimizing spending during ‘go-go’ years, bucket strategies for savings allocation, and creating a ‘fun number’ to enjoy life while ensuring financial security. The discussion emphasizes the importance of balancing present enjoyment with future savings. 

It aims to guide listeners towards informed decisions for a financially secure and fulfilling life, stressing the need for planning for the needs of your future self, while allowing your present self to enjoy life to the fullest extent possible.

Episode Links:

Catching Up to FI

The Retirement and IRA Show

If you would like your question answered on the show, please send an email to me at and put “podcast question” in the subject line.


  • 04:12 Diving Deep into the Secure Retirement Income Process
  • 05:49 Understanding the 4% Rule and Its Alternatives
  • 11:39 Navigating the Transition from Accumulation to Decumulation
  • 12:45 Implementing the Secure Retirement Income Process
  • 18:39 Decumulation Strategies: Annuities and Social Security
  • 29:14 Planning for the Delay and Post-Delay Periods in Retirement
  • 39:14 Embracing Life Now: The Philosophy of Spending Wisely
  • 39:51 Understanding Your Financial Future: Calculating Your MDF and SPIA
  • 40:24 Portfolio Management: Jobs Beyond the Minimum Dignity Floor
  • 41:10 Navigating Long-Term Care and Aging Assistance
  • 42:30 Inheritance Planning and Contingency Funds
  • 43:47 Strategic Spending: The Fun Number Concept
  • 45:29 Transitioning from Saving to Spending: A Personal Journey
  • 46:52 Investment Strategies for Different Life Stages
  • 55:33 Exploring Hybrid Long-Term Care Policies
  • 57:24 Aging in Place: Strategies and Considerations
  • 01:00:42 The Joy of Spending: Realizing Your Fun Number
  • 01:13:10 Final Thoughts and Resources for Further Learning