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✉news BusinessFinance first seen 19 h ago, last 17 min ago, peak #1

When the 4% Retirement Spending Rule Fails

Original: When the 4% Rule for Spending in Retirement Works—and When It Doesn’t

A Wall Street Journal piece examines the classic 4% rule for retirement withdrawals, which says retirees can safely spend 4% of their savings each year. It argues the rule works under certain market conditions—inflation, returns and lifespan—but breaks down when those assumptions shift, leaving some retirees at risk of outliving their money.

Why now: Retirees facing inflation and market uncertainty are questioning whether traditional withdrawal rules still guarantee a safe income.

Wall Street Journal4% ruleretirees

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