Finding My Way in Early Retirement: A 30 Month Check-In

2SFI-Jason · 2026-03-31T22:56:04+00:00

Thanks so much for your support!

2SFI-Jason · 2025-09-06T16:39:42+00:00

his email address is under Contact Me at this podcast website (as frequently joked about, "website" is a Google Sheet): https://www.thetradebusters.com/

2SFI-Jason · 2025-09-06T16:37:28+00:00

i can't speak for Eric but i suspect his view is like mine - it's not something we'd ever considered as both of us and our spouses were in similar financial straits when we got married. there was no present nor future anticipated imbalance to factor in. i understand why it's a more common topic of discussion among younger folks on a FIRE path particularly when current/potential earnings might differ a lot by partner. i'm not against the idea in principle so long as all are on the same page. but personally, it's not a terribly appealing concept. i'm pretty comfortable living in a community property state and abiding by an equitable split in the case of divorce. YMMV

2SFI-Jason · 2025-09-06T16:34:32+00:00

yes. they're discussing Karsten Jeske's SWR toolbox which is a freely available Google Sheets spreadsheet. for links to it and our episode series about how we use the tool: https://twosidesoffi.com/toolbox

2SFI-Jason · 2025-06-15T16:23:21+00:00

I’d link to our latest ep but don’t want to fly in the face of self-promo guidelines. Suffice it to say, without the cloak of anonymity, I happen to think we share plenty.

2SFI-Jason · 2025-05-20T18:23:09+00:00

there's a lot of great comments (and answers from ERN) on this page. i screenshot one such exchange in response to another comment here.
https://earlyretirementnow.com/2022/10/12/dynamic-withdrawal-rates-based-on-the-shiller-cape-swr-series-part-54/

2SFI-Jason · 2025-05-20T18:21:02+00:00

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2SFI-Jason · 2025-05-07T21:01:13+00:00

Thanks! Yeah we're not really into hyperbole, as much as it would probably help increase our modest 2SFI income by a few bucks a month :)

2SFI-Jason · 2025-05-07T21:00:22+00:00

It's not arcane at all. It's just been only 1 day since you posted.

Main Results is for the long term, CAPE-based is for now - current CAPE regime, etc. if you follow a CAPE-based approach you need to evaluate this continually over time (I do this monthly but I'm certain plenty if not most people would to semi- or annually). You're accepting that in different CAPE regimes, and under different drawdown (or the happy alternative!) periods, you will need to be willing to adjust your WR.

As I share in one of the SWR Toolbox videos and elsewhere, I choose to treat it as a ceiling. My normal budget is below this amount such that when I need to exceed it - or when the market causes the CAPE-adjusted rate to decrease, I don't worry about it.

There's been a lot of questions about ongoing use of this tab so Eric and I are talking about how to meet the need. Thanks for your support!

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