Four — Pillar Calculator

Without that buffer, your retirement plan is just a gamble on stock market timing. You don't need a financial advisor to build a Four Pillar Calculator. Open Excel. List your four buckets. Apply the 4% rule to your investments and a 5-year spend-down to your cash.

But if 80% of that $800,000 is in Pillar 4 (their house) and Pillar 2 (stocks), they are . When the market crashes, they have to sell stocks at a loss. When the roof leaks, they can’t sell one brick of the house to pay the roofer. four pillar calculator

You’ve probably heard of the “Three-Legged Stool” of retirement: Social Security, a pension, and personal savings. But in today’s economy, that stool is starting to wobble. Without that buffer, your retirement plan is just