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. four pillar calculator
If the total number is lower than your current salary, you have work to do. If it’s higher, you have peace of mind. But if 80% of that $800,000 is in
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. Have you run your Four Pillar numbers