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Podcast: Retirement Starts Today
Episode: Is the 4% Rule Too Safe?
Description: The 4% rule is the "golden rule" of retirement planning. Everyone is familiar with it and it's easy to work out for some quick, back-of-the-napkin math. Since it is so easy to calculate and implement, many use it as their retirement withdrawal rule. However, this approach may be overly conservative. While using a significantly higher withdrawal rate may go too far, the 4% rule may be too cautious. Listen in to hear the limitations of sticking with this overly simplistic rule of thumb. Outline of This Episode [2:02] Is the 4% rule too safe? [10:50] Does it ma...