The 4% Rule Just Changed—What That Means for Your Flight Plan to Retirement

The 4% rule gets talked about like gospel in retirement planning. But let’s be honest, it’s always been more of a rough guess than a golden rule. Now, its original creator is revising it to 4.7%. So, does that mean your retirement paycheck just got a raise, or is this just another headline that oversimplifies a complex decision? In this episode, Ryan explores the implications of the updated withdrawal rate, highlighting the crucial caveats that may make or break your retirement strategy.

Here’s what we cover in this episode:

🧐 What the 4% Rule Really Meant (and Why It’s Shifting)

💣 How Inflation, Taxes & Risk Impact Your Withdrawal Rate

⚖️ Pros & Cons of Fixed-Income-Heavy Portfolios

🪣 How bucket strategies and guardrails protect your plan

 

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