JV Jones and YourPalSal Expose the 4% rule. Fears of the 4% rule. What is the 4% rule regarding early retirement and how much you need to save up to retire early. How much in assets are needed to have a safe withdrawal rate from your investments. What assets are not included in the 4% rule. YourPalSal learned a lesson regarding tracking expenses to figure out what is needed to ultimately make you happy with your 4% withdrawal from early retirement