Andrew joins this week's podcast, and we answer a common question: How much do you need to retire? The quick answer is it depends, and we discuss the various factors it depends upon. We explain the 4% rule, the Trinity study that it originated from, and some of the flaws we see in that study and rule. Maggie shares how she prepped for and planned her early retirement financials, and Andrew shares how he’s preparing for his. We discuss various withdrawal strategies, Maggie’s personal withdrawal strategy, and how building some flexibility into your proposed spending can significantly reduce your risk of running out of money in retirement. Get the full show notes, show references, and more information here:  https://www.insideoutmoney.org/022-how-much-do-you-need-to-retire-flaws-in-the-4-rule/