“The history of the 4% rule is based on stock market calculations ran in different scenarios. The math is very compelling! No matter when you retire, you are safe to pull 4% from your stock portfolio and run very little risk of ever running out of money. I have 0% issue with the math behind the 4% rule.
Ah, if only life were as simple as math. Therein lies the trouble with the 4% rule. It’s all math and doesn’t deal with how we feel when the rubber hits the road: the mindset and emotions.”