Abstract: The “4% rule” has long been promoted as a safe and simple retirement strategy: withdraw 4% of your savings in the first year, adjust for inflation, and your money should last three decades. But the rule ignores taxes, debt, fees, market downturns, and unexpected expenses. This article explains why the 4% rule often fails in practice, highlight…
Why the 4% Rule Could Ruin Your Retirement
It’s time to rethink the most popular rule of thumb in financial planning.
