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The 4% rule gets talked about like gospel in retirement planning. But let’s be honest, it’s always been more of a rough guess than a golden rule. Now, its original creator is revising it to 4.7%. So, does that mean your retirement paycheck just got a raise, or is this just another headline that oversimplifies a complex decision? In this episode, Ryan breaks down what this new 4.7% number really means—and more importantly, what it doesn’t.

Here’s what we discuss in this episode:

💸 Why the 4% rule isn’t dead—but it’s not magic either

📊 What the “new” 4.7% rule actually changes

🧾 Why income matters more than your nest egg

🛠️ How to personalize your withdrawal strategy

🎯 Why Ryan never leads with percentages in planning

👉Investor’s Business Daily article “The 4% Rule For Retirement Gets An Update. Here's The New Formula:” https://www.investors.com/etfs-and-funds/retirement/four-percent-rule-for-retirement-new-withdrawal-rate/ 

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