These are some long-held rules that most retirement scholars and financial advisers seem to lean on, or play like a broken record. One of those, according to the Wall Street Journal, is the four percent withdrawal rule. But “Retiring now is pretty dangerous,” says David Blanchett, head of retirement research at Morningstar Inc., and as the Wall Street Journal reports, experts now believe a fifty percent failure rate awaits those investors who choose to rely on the four percent rule,