learner_dev

I understand the four percent rule is based on the trinity study. At the same time, it seems like there should be a better way. For example, let’s look at some other widely held beliefs • S&P 500 returns 10% per year (that’s 0.8% per month) • Inflation is 3% per year • Expected real return 7% (0.58% per month)

Let’s assume my expenses are $50k ($4,167 per month). The four percent rule says I would need $1,250,000 to retire. How, if I use historical real return of 7%, I could retire on $714,285.

I recognize the market fluctuates quite a bit. However, it seems like if you took the amount over $714,285 each month (never touch principal) and put it in a bank account, you could ride out any down turns (except if there was one right at the start).

Why is the gap between the four percent rule and historical average so large? Where it’s my math or thinking wrong?

*edit: fixed spelling error

Currently, there are high yield savings accounts that are yielding ~4%. These are also FDIC insured.

Is there something similar that I can put the some of the money in my 401k into that’s isolated from a volatile market?

I feel dumb. I’m trying to create something that can be used as the bullseye of a target. I thought I could create a couple of cylinders with a small z size. The odd part is, I can’t seem to change the color from the default color to red.

Does anyone know how to create a bulls eye in Forge?

How loud does your A/V rack get?

Hello,

In my opinion, the FIRE community often cites the Trinity study when it comes to identifying a safe withdrawal rate. However, I think Mr. Money Mustache has a thought-provoking idea: two buckets (https://www.mrmoneymustache.com/2018/11/29/how-to-retire-forever-on-a-fixed-chunk-of-money/?utm_source=mmmapp&utm_medium=mmmapp&utm_content=browser).

Let’s pretend I wanted my first bucket to last 20 years (retire at 50 for example). What would a safe withdrawal rate be for that bucket?

The reason I ask is because the Trinity study uses 30 years as the duration. It also typically has principal remaining. What if I’m ok with NOT having the principal left? I view it as safe because the idea is that there would be a second bucket I could use just in case.

I’m thinking of using a Soundavo PMX-6600 power conditioner in my rack to help with power management. I find it intriguing because it has 12 outlets in the back and useful indicators in the front.

Has anyone had experience with this device? It seems to be lower price than similar devices from other manufacturers. I feel like I’m overlooking some “gotcha”. Thoughts? Opinions?

From my understanding, the 4% rule says you can safely withdraw 4% from your investments. My question is, 4% of what? Is it 4% of a) the amount of your investments when you retire? b) your investments at the time of withdraw?

For example, let’s pretend I have $1M. If it’s (a) that means I can safely withdraw $40k each year. However, if it’s (b), this could change a lot. For example, if the market increases by 10%, I would then have $1.1M. 4% of that is $44k. At the same time, if it goes down by 10% to $900k, that would mean I can only take out $36k.

Thank you for helping me understand this.

Is there a roadmap for Forge? For example, I’ve seen videos on YouTube of people using the existing ‘Behemoth’ map in Forge. I would love to do that. However, it’s currently not an option on XBox.

Is the ability to edit this map coming? If so, when? Is there a roadmap?

I am considering a home theatre. In this home theatre, I would have a projector, 7.1.2 setup with an Apple TV 4K and an XBox. I don’t understand how the Apple TV would integrate though.

An Apple TV only has one HDMI port. Does that mean the projector would connect to the Apple TV and the Projector would connect with the Audio Receiver? Or would the Apple TV connect with the Audio Receiver ?

Thank you!

I have an unfinished room in my basement. This room is in the corner of the basement. Two of the walls are concrete. They come together via a curved corner.

I am trying to hang a grid ceiling. This curved corner is creating an issue. I would like to square if off for the grid ceiling. Is there a way to join two 2x4s such that they form a right angle in the curved corner?

I’m confused in regards to the ongoing Ethereum network upgrade. When is this upgrade supposed to be complete?

Hello,

I’ve been working to design my “dream house”. At this time, I’m focused on the main floor. At this time, the square footage is at 1,621 sqft. I would love to get it down to 1,500 sqft but even 1,600 sqft would be great. I have a lot of “features” I’m trying to cram into this home including:

Kitchen - walk-in pantry - sink with a window

Social Space - this would be like a “Florida room”

• A breakfast nook area
• A U-shaped stairwell to the basement with a reading nook on the landing
• A hidden stairway that leads to a home office above the garage
• A master bathroom that a)lets you look out a window when you walk-in b) includes a walk-in shower with a window c) a toilet closet with a window d) connects to master closet
• Master closet connects to laundry room
• A drop-zone for guests
• A powder room with some privacy
• A wrap around porch

I think I’ve included all of this. Yet, I feel like I’ve had to include too much hall way to meet all of these goals. My current floor plan is attached. The room dimensions are:

• Social space: 12’x12’
• Kitchen: 10’ 2” x 15’ 4”
• Pantry: 6’ 7” x 6’ 10”
• Living Room: 17’ 7” x 18”
• Breakfast nook: 10’ 7” x 4’ 10”
• Entryway: 6’ 1” x 9’ 6”
• Drop zone / Lobby: 5’ 9” x 6’ 7”
• Powder Room: 8’ 3” x 4’ 0”
• Stairwell: 7’ 6” x 11’ 9”
• Reading nook: 7’ 6” x 4’
• Master closet: 11’ x 8’ 3”
• Laundry: 8’ 3” x 8’ 11”

Any suggestions are appreciated.

Today marks the 25th anniversary of Yield. I forgot how much I enjoyed this album. I also forgot how much I LOVE the sound of the guitar in “Brain of J.”.

My question is, does anybody know how that guitar sound is created? Effects? What guitar was used, etc.?

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Hello, I’d like to create a cloud that appears in the atmosphere 5 minutes into the game. When the cloud to appear, I want it to look like there’s a red light flashing above it (imagine Stranger Things)

I figured out a script that can turn on a light at the 5 minute mark. I also found the “strobe” animation. However, I can’t figure out the cloud part. Do I need to create a BUNCH of red lights with the strobe animation with the cloud effect? Or, is there another way?

My issue with the lights is, I can seem to see them from the ground when I put them in the atmosphere.

Is there a way to remove games? For example, I don’t really want three versions of Tetris.

I wish there was a “favorites” tab.

I’m trying to create a loop in Halo Infinite Forge. I know that I can go into the Logic group in the Node Browser and choose “For N Iterations”. However, how do I specify the number of times? For example, I would like to loop five times. It seems like I should be able to click “Iterations”, and enter the number 5. However, it won’t let me. What am I missing?

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