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For decades, retirees have based their spending on a simple idea: “The 4% Rule.” But new research, and even the rule’s original creator, suggests you may be able to spend significantly more without increasing your risk. Scott shares what’s changed, what still matters, and how to customize your safe withdrawal rate based on your goals, tax situation, and lifestyle.

Here’s what we cover in this episode:

📜 Where It Started: the true history of the 4% rule

⚙️ What Changes the Math: market assumptions, inflation, and personal factors

🧩 Custom Strategies: why withdrawal rates must be tailored

🏛️ Legacy Decisions: how your goals shape your spending rate

🧭 Your Responsibility: modern retirement requires active planning

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