10/13/2026
Week twelve, the one this whole series has been sailing toward: the 4% rule. In retirement, a research-based starting point is to draw about 4% of your savings in the first year, then adjust for inflation, aiming to last a 30-year retirement.
It's also the reason last week's target was 25x. Four percent is one twenty-fifth: the same idea seen from both shores.
And it's a guardrail, not a guarantee. The right number bends with markets, health, and the life you're building, which is the whole point of Sound Bites: the rules get you to the starting line, and your plan runs the race. If you'd ever like help with yours, you know where we are.
For educational purposes only. Nothing here is investment, tax, or legal advice. Advisory services offered through Sound Wealth LLC, an investment adviser registered in NJ, PA, IL, and TX.
