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Ep 409: Dave Ramsey's 8% Retirement Rule: What Could Possibly Go Wrong?

September 2, 2026
Dave Ramsey says retirees can safely withdraw 8% a year from the stock market, but does his retirement planning math actually hold up? David McKnight breaks down why Ramsey's approach overlooks a critical risk, and why annuities may be the missing piece to sustainably boosting your retirement income...

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David McKnight
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David McKnight
David McKnight is a highly regarded speaker whose workshop The Power of Zero has been seen by thousands of Americans across the country. He has made frequent appearances on Bloomberg Radio, The New York Times, CNBC, Yahoo! Finance, Nasdaq.com, Reuters, Investor’s Business Daily and numerous other national publications. Most recently David was a main platform speaker at Forum 400, an annual gathering of the top 1% of financial advisors in the country. In the summer of 2014, he was a Focus Speaker at the annual world-wide meeting of the Million Dollar Round Table in Toronto, Canada.

All the Episodes

Ep 409
Dave Ramsey's 8% Retirement Rule: What Could Possibly Go Wrong?
September 2, 2026Duration: 09:43

Dave Ramsey says retirees can safely withdraw 8% a year from the stock market, but does his retirement planning math actually hold up? David McKnight breaks down why Ramsey's approach overlooks a critical risk, and why annuities may be the missing piece to sustainably boosting your retirement income...

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Ep
The Three Biggest Reasons Americans Hate Annuities
August 26, 2026Duration: 08:10

Most Americans hate annuities and would tell you to avoid them… But what if the version you've been warned about isn't the only option for retirement planning? David McKnight breaks down a strategy that's quietly helping retirees sleep better at night and safeguard themselves against the 3 biggest a...

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Ep 407
Should High Earners Contribute to a Roth 401k?
August 19, 2026Duration: 08:00

Should every dollar go into a Roth 401(k) if taxes will be higher? David McKnight reveals why that instinct could actually be one of the most expensive tax decisions a high-income earner can make when it comes to retirement planning. In this episode, David McKnight addresses two frequently asked q...

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Ep 408
The Latest Proposal to Tax Roth IRAs: Should you be worried?
August 12, 2026Duration: 08:54

Should you stop doing Roth conversions as part of your retirement planning after Senator Ron Wyden's new legislation targeting specific retirement accounts? David McKnight breaks down the key aspects of the proposal and what it actually means for the average American (and their retirement).  Show No...

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Ep 405
The Hidden Reason Married Couples Need Roth Conversions
August 5, 2026Duration: 07:54

One spouse passes away, and suddenly the survivor is filing alone, pushed into tax brackets they never saw coming. David McKnight explains why a Roth conversion, done now through smart retirement planning, could spare your loved ones the painful surprise known as Widow's Penalty. Show Notes In thi...

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