Big Changes - The 4% Rule Gets a Makeover

Phil's Tax Hacks · Jun 12, 2025 · 16m

The 4% rule gets talked about like gospel in retirement planning. But let’s be honest, it’s always been more of a rough guess than a golden rule. Now, its original creator is revising it to 4.7%. So, does that mean your retirement paycheck just got a raise, or is this just another headline that oversimplifies a complex decision? In a world of volatile markets, tax surprises, and rising longevity, the idea that one percentage could work for everyone isn’t always the best default approach.

Here’s some of what we discuss in this episode:

🔍 What the original 4% rule really was and why it went…