The 4% rule helps us understand how much we can safely take out of our portfolio each year without running out of money in retirement.

Yet, as simple as the 4 percent rule seems, the practical implications are drastically misunderstood. I explore the three common mistakes people make when applying this rule and how to avoid them.

Questions Answered:
How do RMDs impact the 4 percent rule?
Does the 4 percent rule account for changes in expenses and income sources?

Timestamps:
0:00 - Questions from listeners
1:26 - Misconception 1 - RMD 
3:27 - 4% rule applies to portfolio
5:51 - Assumption of 30 years retirement
7:51 - Misconception 2 - annuity distributions
10:01 - An example 
12:33 - Misconception 3 - static cash flow
13:42 - Examples of changes
17:44 - Summary

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