Changes in sexual performance are more common than most people realise, and support doesn't need to feel awkward.

With MedExpress, everything happens privately online.

Start by completing a short consultation reviewed by UK registered clinicians.

If eligible, treatment is delivered discreetly to your home with ongoing support whenever you need it.

You're not alone in this. Visit medexpress.co.c.uk slash podcast to learn more.

This is Optimal Finance Daily, the 4% rule and why we're not relying on it by Kirsten

Saunders of rich and regular.com.

I don't remember everything about that day, but it's safe to say that my brain exploded when I learned about the 4% rule.

I don't recall which blogger or financial article introduced me to the concept, but I know I've learned a little from a number of places.

I also remember being skeptical, which led me to search for varying explanations from those who might

debunk the math as a myth, but I never found it. What I did find was a tribe of adventurous,

smart, and quirky people in the fire movement, who each had their own way of explaining it,

and my life hasn't been the same since.

With a vision for the future, a group of online homies cheering me on, and now a formula, I knew exactly

what I needed to do. Shortly after that day, I remember crunching some numbers, reviewing various

paths to get there, and challenging myself to be a millionaire by 2020.

For a 27-year-old grad student, it was exciting and overwhelming at the same time.

We referred to our plan to achieve financial independence and retire early, but haven't gone in depth about the underlying math behind this decision.

This is for several reasons.

One, we're not financial educators and don't particularly enjoy presenting data this way.

We're much more comfortable presenting concepts and applying tolerable doses of math

so that R and your brains don't go numb over

...