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No. of Recommendations: 2
I took 5 to 6% for my first 8 years of retirement. When I was able to draw social security it decreased to about 2 1/2%. Then the market crashed and even though my withdrawal hadn't changed it was 4%. With the market recovery I'll be under 3% again. Sometimes it's all a numbers game but I still like the 4% rule as a guideline. It sure sobbers up some people who think they'd be on top of the world if they just had a million dollars. Tell them they should only spend $40,000 a year and they come down to earth real quick.
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