The 4% Rule vs. the 8% Rule: What's the Right Withdrawal Rate for You?

Perfect Game Retirement · Jul 16, 2026 · 13m

Dave Ramsey has built one of the most recognized brands in personal finance. Millions of people have followed his advice out of debt and into savings. But when it comes to how much you should pull from your retirement accounts each year, Ramsey takes a position that some financial professionals find hard to get behind. Today, we break it down: what Dave says, what the research says, and what Ryan thinks.

Here’s what we discuss in this episode:

📉 Stock Market Risk: Understanding the volatility of an all-stock portfolio

📏 The Traditional Rule: Why 4% became a common retirement benchmark

🚨 The…