I recently posted a Letter to the Editor at the www.Early-Retirement-Planning-Insights.com site entitled Should It Be the Multiply-by-20 Rule?

Juicy Excerpt: Given what we now know about investing, it no longer needs to be the “Multiply-by-25 Rule.” With techniques available to smooth out the income stream from stocks, we can safely go with a 5 percent takeout in retirement. That turns it into the “Multiply-by-20 Rule.” That permits retirement years sooner.

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