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Powered by TCPDF (www.tcpdf.org) As you can see, the 4% value is actually somewhat of a worst-case scenario in the 65 year period covered in the study. In many years, retirees could have spent 5% or more of their savings each year, and still ended up with a growing surplus. The 4% Rule: The Easy Answer to How Much Do I Need for Don t let your system get infected. Detect and remove viruses, worms, spyware, and other malicious threats for free. Start your free scan it s easy. Free Online Virus Scan Trend Micro You are leaving AARP.org and going to the website of our trusted provider. The provider s terms, conditions and policies apply. Please return to AARP.org to learn more about other benefits. AARP Research: Insights Impacting Americans 50+ One of the internet s most-respected retirement researchers and financial planners, Michael Kitces, joins me for an episode of the Financial Independence Podcast! You may remember that my Safe Withdrawal Rate post drew heavily from the incredible research Kitces has done on the topic so it was great to talk to him directly to dive even deeper into important topics related to early retirement. 6 / 6