The 4% rule is one of the fundamental numbers of the FIRE concept. From a financial point, this rule makes total sense.
However, I wonder if for someone retiring in his 30’s this number is too low. My arguments:
- It’s highly likely that you will make money at some point (hobby, because you are bored, ect)
- If the sequence of return is bad at the beginning, you can go back in the job market as you are still young
- It’s highly likely that your ending balance will be much more than your starting balance
- You can use geo arbitrage to reduce spending in case of a bad sequence of returns