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Episode 62. Is the 4% rule for early retirement still relevant?

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Is the 4% rule still relevant, or has the FIRE movement outgrown it? In this episode, Hayden and Dave break down where the 4% rule came from, why it’s often criticised, and how it actually holds up for early retirees. They unpack the assumptions behind the rule and explain why flexibility, adaptability, and behaviour might ma...

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Fri, 20th February 2026

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Hosts
Hayden Smith
Hayden Smith

Co-founder and Chief Technology Officer of Pearler

Co-founder and CTO of Pearler

Dave Gow
Dave Gow

Creator and author of Strong Money Australia

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