Are you actually using the 4% rule?

The 4% rule (or is it 4.7% now?) is supposed to be a simple way to figure out how much you can safely withdraw each year, but I’m curious - do HD members really follow it?

While it’s a decent projection, I imagine there are plenty of circumstances where a fixed percentage needs updating - health expenses, market swings, helping family, inflation surprises, or even big life events like moving or starting a new chapter you hadn’t planned for.

For those of you already retired (or closer to it), I’d love to hear if you actually stick to 4%, or is it more of a guideline you adjust as life happens? If you do withdraw more or less, how do you track or budget for potential changes in next year’s withdrawals?

The post Are you actually using the 4% rule? appeared first on HumbleDollar.