Yearfold journal
Field notes on planning a real retirement
Every post links its sources. We update the year-stamp on the right whenever a post is reviewed against new data.
April 28, 2026 · The Yearfold team
What is the 4% rule, and is it still right in 2026?
Bengen's 4% safe-withdrawal rate, what the rule actually says, where the 2026 critiques land, and the safe range you can defend.
pillar · fundamentals · withdrawal
April 24, 2026 · The Yearfold team
Sequence-of-returns risk: the math that breaks retirement plans
Two retirees with identical 30-year average returns can have wildly different outcomes if the order of returns is different. Here's why, and what to do about it.
pillar · fundamentals · withdrawal