The FIRE Sequence of Returns Risk After Year Ten

In Episode 24 of The FIRE Podcast, Lucas and Luna tackle a blind spot in most early retirement plans: sequence of returns risk doesn't end after the first decade. Most FIRE calculators assume that if you survive the first ten years, you're in the clear. But Lucas shares data from a 1966 retiree scenario where the bad sequence hit in years 11 through 15, wiping out a portfolio that had looked healthy. Luna brings a real-world case from a Coast FI practitioner who got caught off-guard by a late-cycle bear market. The hosts walk through a concrete example: a $1.2 million portfolio with a 4% withdrawal rate, a 50% equity allocation, and a 15% drawdown in years 12 and 13. They discuss why a simple glidepath into bonds doesn't fully protect you, and offer a practical buffer strategy using a cash reserve and dynamic spending rules. No ads, straight talk. #FIRE #SequenceOfReturnsRisk #EarlyRetirement #PortfolioSurvival #WithdrawalRate #FinancialIndependence #FIRECalculator #BearMarket #CashReserve #DynamicSpending #CoastFI #Glidepath #EquityAllocation #PortfolioDrawdown #RetirementPlanning #Finance #FexingoBusiness #BusinessPodcast Keep every episode free: buymeacoffee.com/fexingo