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No. of Recommendations: 6
Obviously people are worried about running out of money so they obsess over these "rules" but you can retire with a 4% SWR as a plan and adjust as needed. It isn't as if you are signing a contract that allows for no modifications.

Most people who can save enough to retire and do so with a 4% SWR should be able to look at numbers and see if things are looking good or bad.

I've never had a budget in my life, even when I started out and things were very tight but I knew enough to look at my account and go "I better slow down the spending" or "things are looking good".
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