The MyRetireHub Editorial Team
Editorial · MyRetireHub
The MyRetireHub Editorial Team produces the written material for MyRetireHub, a retirement and FIRE calculator. Nothing is commissioned from outside; articles are drafted and revised internally.
Expect writing about Retirement Planning and little else. Since it estimates the savings needed to retire using the 4% rule, projecting contributions, investment return, inflation and Social Security, and tests an early-retirement plan, most pieces follow the same path through the numbers: checking how far away a target retirement number is, testing whether an early-retirement plan holds up and seeing what a higher contribution does to the date.
Before anything is published it is reviewed for correctness of method and for tone. Nothing here should read as medical, financial or legal advice; where a subject touches those areas the article limits itself to the calculation.
Anything that looks wrong can be sent to support@myretirehub.com. Confirmed errors are fixed on the page itself.
Recent articles
Does paying off a mortgage or student loans count toward your financial independence savings rate?
Two savers, identical incomes, identical $50,000 deployed in a single year. Saver A funnels it into a Vanguard total-market fund. Saver B dumps it into a mortgage principal payoff.
Using a dynamic retirement calculator to stress-test your FIRE number against 1990s tech bubble and 2000s lost decade sequences
Here's the test most FIRE calculators bury at the bottom of their options menu: set your start date to January 2000, your portfolio to $1.4 million, your withdrawal rate to 4%, and hit run.
How to calculate a flexible 4% rule withdrawal rate that adapts to sudden retirement healthcare premium inflation spikes
Quick tip before we go deeper: if you're retiring before Medicare eligibility at 65 and buying private coverage, carve out your healthcare premium costs as a separate withdrawal line item and apply a 3.2% sub-rule to that slice alone.
Modeling variable safe withdrawal rates for early retirees when transitioning from a high-yield cash buffer to equity dividends
Start With the 18-Month Cash Floor Rule Before you model anything, write this number down: 18 months of expenses in your high-yield cash buffer. Not 12. Not 24. Eighteen.
Tax-efficient drawdown strategy: whether to drain taxable brokerage accounts or 401k funds first before claiming Social Security
The 8.3-Year Gap: Why Withdrawal Sequence Outperforms Asset Allocation in Retirement A 2022 analysis published in the Journal of Financial Planning found that optimizing withdrawal sequencing across…
Why the original Trinity Study 4% rule assumptions fail for modern 30-year FIRE timelines and how to adjust them
The Trinity Study, published in 1998 by three finance professors at Trinity University, backtested withdrawal rates against U.S. market data from 1926 through 1995.
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