https://10ktest.com/2026-10-18 https://10ktest.com/tests/dave-ramsey-8-percent-withdrawal-rule2026-10-18 https://i.ytimg.com/vi/F9CFhrZF1vQ/hqdefault.jpgI Tested Dave Ramsey's 8% Rule on 21 RetireesDave Ramsey says you can take 8% a year out of your retirement savings. We tested it on real S&P 500 history for every retirement year from 1996 to 2016. Retire in January 2000 with $1,000,000, take 8% raised with inflation, and the money was gone by August 2009. The 4% rule he makes fun of never ran out. Verdict: BUSTED, for anyone who can't pick their retirement year. 8% ran out of money for 12 of the 13 people who retired from 1996 through 2008. It only worked if you retired right after a crash.https://www.youtube.com/embed/F9CFhrZF1vQ2026-10-18T12:00:00-04:00yes https://10ktest.com/tests/2026-10-18 https://10ktest.com/tests/pay-off-mortgage-early-or-invest2026-10-18 https://i.ytimg.com/vi/cw5L0W1iFG0/hqdefault.jpgPay Off the Mortgage or Invest? I Tested 21 FamiliesPay off your mortgage early, or invest the extra? We tested 21 families paying an extra $500 a month, each with a mortgage taken in January of a different year from 1996 to 2016. By October 2026, investing the extra was ahead for all 21. But at the March 9, 2009 low, every family that had started by then was behind. Verdict: BUSTED as a way to end up with more money, for anyone who can sit through a crash without selling. A family that sold in March 2009 and paid down the mortgage did worse than both plans in all 13 cases.https://www.youtube.com/embed/cw5L0W1iFG02026-10-18T12:00:00-04:00yes https://10ktest.com/about2026-10-17 https://10ktest.com/disclaimer2026-10-17 https://10ktest.com/members2026-10-17 https://10ktest.com/privacy2026-10-14 https://10ktest.com/videos2026-10-18