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, Dennis dives into what this update really means, and just as importantly, what it doesn’t.

Here’s some of what we discuss in this episode:

📊 Where the 4% rule came from and what’s changed

🧬 How generational mindsets can influence spending in retirement

⏳ Why time horizon and health matter in determining your withdrawal rate

🤔 Was the 4% rule wrong all along?

🧩 How Dennis helps his clients find their withdrawal number

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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