For decades, the 4% rule has been the “golden rule” of retirement planning — withdraw 4% a year and you’ll be fine. But that rule was built for a world that doesn’t exist anymore. Inflation, interest rates, longevity, and volatility have completely changed the math.
In this episode of the Legacy Life Podcast, we explain why the 4% rule no longer works, what new research from Morningstar and Harvard shows, and how to rethink your income strategy so you never have to wonder, “Will I run out of money?”
You’ll learn:
• Why today’s safe-withdrawal rate is closer to 3.3% (or even 2.6%)
• How inflation and healthcare costs break traditional withdrawal models
• The danger of sequence-of-returns risk and how it impacts early retirees
• The difference between a withdrawal mindset and a harvest mindset
• How dividend yield and income planning create sustainable retirement income
The 4% rule worked in 1994. It doesn’t work in 2025.
Build a plan that keeps you confident, consistent, and in control of your income — no matter what the markets do.
📅 Book a free income planning session: [Calendly Link]
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