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.

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. 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

If the total number is lower than your current salary, you have work to do. If it’s higher, you have peace of mind. How to Use the Calculator (The 3-Step Checkup)

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.