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[Music] hey this is Jason from two sidesify here to tee up this episode today were going to be talking about what Eric and I think is one of the most powerful retirement calculators available its free this is the first in a two-part series on safe withdrawal rate and sequence of returns risk two essential topics lets start with just a little bit of background most of you are probably familiar with the four percent rule that is you should be able to safely withdraw an amount equal to four percent of your starting portfolio each year for the duration of your retirement you adjust annually for inflation and you wont run out of money in other words four percent would be termed a safe withdrawal rate and indeed over the Long Haul stock should return much more than four percent but like most things the reality is not quite that simple in fact Economist and fire blogger Karsten yaska has shown through his historical simulations that you can still run out of money even if youre 50 year pl