·7 min read
4% Rule vs Bond Ladder Bridge at 60: How a New Social Security Bill Could Cut a 6.4% Withdrawal Rate to 4% on $1.1M
A proposed bill would let physically demanding workers claim full Social Security at 60 instead of 67 — here's the withdrawal-rate math showing what that's worth on a $1.1M portfolio, and how rising Treasury yields change the cost of bridging the gap either way.
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