August 5, 2025
Beyond the 4%: Rethinking Retirement Spending Rules
The article discusses the “4% rule” for retirement withdrawals, which suggests withdrawing 4% of savings in the first year and adjusting for inflation annually. While initially popular, experts now question its rigidity, with some suggesting a 6% rule or advocating for personalized financial plans instead. The article debunks three common retirement spending myths: that conservative spending is always best, that savings won’t grow in retirement, and that all retirees face the same financial challenges. It emphasizes the need for flexible spending
