The Freedom Gap framework evaluates retirement structures by analyzing dependency, timing risk, and early-year fragility.
The articles below provide the foundational ideas behind the Freedom Gap model and how it evaluates retirement durability.
1. The Freedom Gap: Why Retirement Plans Fail in the First Five Years
- The Freedom Gap: Why Retirement Plans Fail in the First Five Years
- Why the First Two Years of Retirement Matter More Than the Next Twenty
- The Hidden Cost of Needing Markets to Cooperate in Early Retirement
- Why Retirement Timing Matters More Than Portfolio Size
2. The Early Retirement Fragility Window
- The Early Retirement Fragility Window
- Retiring at 50 vs 52: A Structural Timing Comparison
- What Is an ETF Bridge in Early Retirement? (And How It Reduces Sequence Risk)
3. What the Freedom Gap Measures
4. Reliable Income vs Withdrawal Dependency
- Reliable Income vs Withdrawal Dependency
- How Much Income Do You Need to Retire Early?
- Why Income Matters More Than Net Worth in Early Retirement
- Why Dividend Income Fits a Calm Lifestyle Better Than Growth Investing
- Dividend Investing vs the 4% Rule: Which Is Safer for Early Retirement?