Glossary
30× rule
Saving 30 times your annual spending, which implies a withdrawal rate near 3.3% instead of 4%. The larger multiple builds in more room for long retirements, weak markets, and surprises.
What it means for you
Read the thinkingThe number The maths from the talk: how big the pot, why I count thirty times spending rather than twenty-five, and what I actually hold. Still not advice, just my own sums, shown.A more cautious target than 25×; it takes longer to reach, in exchange for a wider margin over a 50-year horizon.
Every term, in plain English, on one page: the full glossary. Education, not advice.
Bring me a challenge.
The Exit Audit, then ninety minutes: a straight verdict, real alternatives with their pros and cons, and your first move. If you want someone to nod along, I’m the wrong person to pay.
Ninety minutes, online, €600. The Exit Audit included.