Sequence of Returns Risk - retiring into bear market devastates portfolio more than average returns suggest. Selling stocks when down locks in losses. Example: 2022 retiree withdrawing 4% during -20% year vs 2019 retiree before bull run. Mitigation: bond tent, lower withdrawal rate first years, flexible spending, part-time work buffer. Biggest FIRE movement risk.
Sources: Personal finance forums, investment research
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401(k) matching is when employers contribute money to your retirement account (401(k)) based on how much you contribute—commonly matching 50-100% of contribu...
Employer contribution to employee's 401k retirement plan, typically 50-100% of contributions up to 3-6% of salary
401k retirement account with employer matching and pre-tax contributions
First Seen: September 2013 · Created: Elizabeth Warren & Amelia Warren Tyagi (2005 book) · Status: Simplified budgeting guideline