Will Low Returns Ruin Your Retirement? (How to Interpret Goldman Sachs 3% Forecast) | Root Talks

What if the next 10 years bring just 3% returns from the S&P 500? In this episode, we turn that forecast into a real-world retirement plan—not panic. You’ll learn how to stress test your portfolio, build flexibility into your spending, and design a withdrawal strategy that can survive tough markets. Listen as Ari and James break down: Sequence-of-returns risk — why bad early years hurt more than bad averages. The modern 4% rule — how to use it as a guardrail, not a guarantee. Diversificat...