"The most important quality for an investor is temperament, not intellect.” — Warren Buffett

In This Edition

Annual Financial Literacy Series Ready to Roll!
Latest Podcast- Boot Camp #7 Flexible Distributions
Testimonial

Annual Financial Literacy Series Ready to Roll!

I’m especially excited about this year’s Financial Literacy Series. I’ll have the privilege of interviewing some of the most respected teachers, authors, and speakers in the field of financial literacy. It’s truly a thrill to sit down with Larry Swedroe, Christine Benz, Bill Bernstein, and Mike Piper to explore some of the most important financial questions of our lives.

Each conversation will run about 45 to 60 minutes, followed by time for your questions.

If you have a question you’d like us to address, please send it to me at paul@paulmerriman.com—and let me know if you’d like it directed to a particular guest.

Here’s what the folks at the Bainbridge Community Foundation have put together about our speakers, along with all the details on how to participate. You’ll also find a simple way to sign up so you don’t miss any of these conversations. I hope you’ll join us—it should be both informative and inspiring.

Boot Camp #7 Flexible Distributions

In this episode, we explore how flexible (variable) withdrawal strategies can strengthen your retirement plan—and why fixed, inflation-adjusted withdrawals may increase risk over time.
Using detailed distribution tables—including ⁠Table F1.3⁠ (flexible withdrawals) and comparisons to

⁠Table D1.3 ⁠(fixed withdrawals)—Paul walks through real historical outcomes across decades to show how adjusting withdrawals based on market performance can improve long-term results.

You’ll learn:

Fixed vs. flexible withdrawal strategies
Insights from Tables ⁠F1.3⁠, ⁠F1.4⁠ vs. ⁠D1.3⁠, ⁠D1.4⁠
How flexibility helps defend against bear markets
The role of diversification and low-cost investing
Why oversaving creates powerful financial freedom

If you’re planning for retirement or already taking withdrawals, this episode may offer a smarter, more adaptable approach to generating income.

⁠Watch Youtube⁠
⁠Boot Camp 7 page⁠

Testimonial

I am a fine arts major, and haven’t had any prior education on finance. Coming into the class I felt quite out of my element. That being said, I have learned SO much in such a short amount of time. This course has gotten me extremely excited about investing, has stressed an urgency in saving while I am still young and has made me excited to explore different path’s I can take with investing my money.
Western Student

Download FREE Book!

Boot Camp #7 Flexible Distributions

Follow Me On TikTok

Boot Camp #7 Flexible Distributions

This investing strategy offers higher odds of success with fewer sleepless nights

In This Edition Annual Financial Literacy Series Ready to Roll!Latest Podcast- Boot Camp #7 Flexible DistributionsTestimonial

In This Edition

Annual Financial Literacy Series Ready to Roll!
Latest Podcast- Boot Camp #7 Flexible Distributions
Testimonial