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RE: Familiar With The 4% Rule? - Well, You Can Forget It
They also chose that rate as it was consider a risk free rate which could be achieved to guarantee long term income for retirees. I think we can no longer assume any risk free returns. Also, not to get too deep in discussions but social security was always meant to supplement this income but can we assume that will exist in the future?
I already work under the assumption that I will not see social security $$$ when I reach the allowable age. If it happens some how that it's just a bonus.