Disclaimer

The Waterfall Method is an educational tool published by AKR Food and Beverage LLC. It is not a registered investment adviser, broker dealer, financial planner, tax adviser, accountant or law firm, and nothing it provides is investment, financial, tax or legal advice.

The runway check and The Waterfall Ledger apply general, publicly known financial independence concepts, such as withdrawal rate rules of thumb and months of expenses, to numbers you enter yourself. Every result is an estimate. It depends entirely on the accuracy of what you enter and on assumptions that may not fit your situation, including the default 4% withdrawal rate, 5% real return, and target retirement age of 65.

No result predicts or promises any financial outcome, return, retirement date or income. Past results of any person or method do not indicate future results. Before making investment, tax, debt or retirement decisions, consult a qualified professional who knows your full situation.

You are solely responsible for your own financial decisions.