3809: If I Were Retiring Early Today by Jeremy Jacobson of Go Curry Cracker on Financial Freedom

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Optimal Living Daily LLC

Education, Mental Health, Self-improvement, Health & Fitness

4.6 • 3.2K Ratings

🗓️ 16 November 2025

⏱️ 13 minutes

🔗️ Recording | iTunes | RSS

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Summary

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3809: Jeremy Jacobson explores whether early retirement still makes sense in today’s turbulent economy, revealing why he'd stick with the same plan despite market downturns. His reflections on the 4% rule, flexibility, and global lifestyle options offer practical reassurance for aspiring early retirees navigating uncertainty. Read along with the original article(s) here: https://www.gocurrycracker.com/if-i-were-retiring-early-today/#more-15352 Quotes to ponder: “We must hope for the best and plan for the worst.” “Retiring when you are afraid is hard.” “The 4% rule has walked the walk and got stories to tell, and it is still here.” Episode references: Portfolio Visualizer: https://www.portfoliovisualizer.com/ NewRetirement: https://www.newretirement.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:30.5	That's go daddy.com slash GD now. New customer purchases only, products auto renew separately.
0:37.0	See terms on site.
0:39.3	This is Optimal Living Daily. If I were retiring today by Jeremy Jacobson of gocurrycracker.com,
0:47.1	and I'm Justin Mollick. This is the podcast where I simply read to you, kind of like an audiobook,
0:52.4	but on Sundays, someone else does, covering a
0:55.2	different topic within personal development. Today's topic being money, so I'm playing an
1:00.1	episode from Optimal Finance Daily. So with that, let's get right to the bonus episode in
1:05.2	Diana's commentary as we optimize your life.
1:18.0	If I were retiring early today by Jeremy Jacobson of go currycracker.com.
1:23.8	Would you do anything differently if you were retiring in today's economic environment?
1:29.8	What do you think of the 4% rule for people planning to retire soon? Let's go through both of those questions. If I were retiring early today, loosely and nominally, the S&P 500 is down
1:38.5	20% year-to-date and 15% over the past 12 months. In real terms, it's down an additional about 9%.
1:46.5	Headlines are very doom and gloom. Inflation, Dow Jones, war, housing market, gas prices.
1:54.1	I even saw one headline or another that said 2022 was the worst stock market performance year to
2:00.1	date of any year in history. Based on all of this,
2:03.8	what would I do differently? Nothing. The 4% rule. The 4% rule is a rough guide that says you can
2:12.0	probably spend 4% of your initial portfolio value each year adjusted for inflation and have your retirement savings
	...

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