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Personal Finance Topics / Retirement Investing❤
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Author: RAMc ✭  😊 😞
Number: of 767 
Subject: Re: The 4% rule inventor makes some revisions
Date: 08/24/2025 2:00 AM
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Me: “after living expenses have > 5X starting balance”
AdrianC: “Were you pulling out an inflation-adjusted 4% each year?

I had to go back and do an evaluation to answer your question. I started out knowing I was going to have to pull out a little over 4% as a supplement until I could receive Social Security and Medicare. But I have based my withdrawals on an Amortization schedule similar to an IRA RMD. From my records I started out close to the 4% of the original value adjusted for inflation. Hower as the value increased and our life expectancy grew shorter. We have been taking out a multiple of the original 4% adjusted for inflation rule value. The original 4% rule value is less than our taxes.
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