It’s one of the most repeated rules in retirement planning. And like most rules of thumb, it’s not wrong, it’s just incomplete.
This episode continues our educational series from Halbert Hargrove, where we take the questions and assumptions people carry into retirement and work through them. No jargon. No one-size-fits-all prescriptions.
In this episode, Julia Pham breaks down what the 4% rule was designed to do, and where it can fall short in the real world. Timing matters. Spending isn’t predictable. And your retirement isn’t built on historical averages, it’s built around your life. Julia walks through three questions retirees should be asking to move from a general guideline to a plan that fits their situation.
