“We’ve all likely heard of the Trinity study – the study that led to the 4% rule, or having 25 times your expenses saved. But have you actually read the Trinity study? Did you ever wonder how it applies to women, or early retirees? And have you heard of William Bengen, the financial advisor who laid the groundwork for the Trinity study?
With personal finance, I’m a big advocate of doing your own research rather than relying on someone else to do it for you. In this case, I’d heard of the Trinity study, and the “4% rule”, but had never actually read it. So I took off on the internet to find the original, actual Trinity study.”