Four Pillar — Calculator

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.

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

The solves this by stress-testing your withdrawal rate against each pillar’s unique liquidity and risk profile. How to Use the Calculator (The 3-Step Checkup) You don't need a fancy software. You can do this in a spreadsheet in 10 minutes. By keeping 2-3 years of living expenses in