{"id":4867,"date":"2026-09-11T17:25:12","date_gmt":"2026-09-11T17:25:12","guid":{"rendered":"https:\/\/thejoeroganpod.com\/?p=4867"},"modified":"2026-09-11T17:25:12","modified_gmt":"2026-09-11T17:25:12","slug":"what-is-the-3-rule-in-retirement","status":"publish","type":"post","link":"https:\/\/thejoeroganpod.com\/?p=4867","title":{"rendered":"What is the 3 rule in retirement?"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><strong>SHOULD RETIRED PEOPLE BE COMPLETELY EXEMPT FROM TAXES? AND WHAT ABOUT THE 3% RETIREMENT RULE? \ud83d\udc40<\/strong>\u00a0The 3% rule is a conservative strategy where retirees withdraw about 3% of their total retirement savings in the first year, then increase that dollar amount with inflation each year. For example, someone with $1 million saved would withdraw $30,000 in year one. The idea is to make retirement savings last longer. \u2764\ufe0f<\/p>\n<p class=\"wp-block-paragraph\">\ud83c\udfe1\u00a0<strong>THE ARGUMENT FOR \u201cYES\u201d:<\/strong>\u00a0Much of a retiree\u2019s savings or pension may come from money earned and taxed during their working years. With rising costs and limited ability to increase income, taxes can put additional pressure on seniors living on fixed budgets. Supporters also argue that retirees have spent decades contributing to society and funding public services.<\/p>\n<div class=\"8b6f096671da924326c04f02653a866c\" data-index=\"4\">\n<div data-type=\"_mgwidget\" data-widget-id=\"2069700\"><\/div>\n<\/div>\n<p class=\"wp-block-paragraph\">\u2696\ufe0f\u00a0<strong>BUT HERE\u2019S THE PROBLEM:<\/strong>\u00a0Not every retiree is struggling. Some have substantial savings, investments, property, or passive income. A blanket tax exemption could therefore benefit wealthy retirees while reducing money available for healthcare, infrastructure, and other public services. Some argue that targeted tax credits or exemptions for lower-income seniors would be fairer.<\/p>\n<p class=\"wp-block-paragraph\">\ud83d\udd25 So, should retirement mean\u00a0<strong>NO MORE TAXES<\/strong>, especially for people carefully managing their savings with strategies like the 3% rule? Or should retirees continue paying taxes based on their income and ability to contribute?\u00a0<strong>What do YOU think?<\/strong>\u00a0\ud83d\udc47\ud83d\udcac<\/p>\n","protected":false},"excerpt":{"rendered":"<p>SHOULD RETIRED PEOPLE BE COMPLETELY EXEMPT FROM TAXES? AND WHAT ABOUT THE 3% RETIREMENT RULE? \ud83d\udc40\u00a0The 3% rule is a conservative strategy where retirees withdraw about 3% of their total &hellip; <\/p>\n","protected":false},"author":2,"featured_media":4868,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[2],"class_list":["post-4867","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-trending","tag-breaking-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What is the 3 rule in retirement? - Joero Article<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/thejoeroganpod.com\/?p=4867\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is the 3 rule in retirement? - Joero Article\" \/>\n<meta property=\"og:description\" content=\"SHOULD RETIRED PEOPLE BE COMPLETELY EXEMPT FROM TAXES? 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