The "4% Rule" is a personal finance industry standard. If you've never heard of it, it's a guideline for the rate at which you can pull from your retirement account and still have the account survive in retirement. A new study reveals the industry standard of 4% is overstated and could lead to millions of Americans running out of money in retirement if adhered to. A scary thought.

An even scarier thought is ER Docs have additional hurdles to overcome than the everyday American. So in this Halloween-themed episode, we'll discuss what those factors are and end with how to overcome them.