Four Pillar Calculator |verified| <UPDATED »>

By keeping 2-3 years of living expenses in Cash (Pillar 3) , you allow your Investments (Pillar 2) to weather the next bear market without selling a single share. When the market recovers (it always has), you refill Pillar 3.

If the total number is lower than your current salary, you have work to do. If it’s higher, you have peace of mind. four pillar calculator

You’ve probably heard of the “Three-Legged Stool” of retirement: Social Security, a pension, and personal savings. But in today’s economy, that stool is starting to wobble. By keeping 2-3 years of living expenses in

Without that buffer, your retirement plan is just a gamble on stock market timing. You don't need a financial advisor to build a Four Pillar Calculator. Open Excel. List your four buckets. Apply the 4% rule to your investments and a 5-year spend-down to your cash. If it’s higher, you have peace of mind

But if 80% of that $800,000 is in Pillar 4 (their house) and Pillar 2 (stocks), they are . When the market crashes, they have to sell stocks at a loss. When the roof leaks, they can’t sell one brick of the house to pay the roofer.

Have you run your Four Pillar numbers? Did you find a surprise weakness? Let me know in the comments below.