Most financial advisors still cling to the outdated "4% rule" — the idea that you can safely withdraw 4% a year from your retirement portfolio and never run out of money.

But what happens when someone tells you to pull 8–10% instead? Total disaster.

I ran the numbers using real Monte Carlo simulations. A 10% withdrawal rate only has a 3.3% chance of success. That means 97 out of 100 retirees would run out of money before they die.

The math doesn't lie — but Wall Street might.

The truth is, there is a smarter way. A system that lets you pull 2–3x more income, tax-free, and with safety and liquidity built in.

Stop gambling your retirement on "hope and growth." Start building it on strategy and certainty.

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