For decades, the "4% rule" has served as a widely cited guideline for retirees. This concept, developed by financial planner William Bengen in the early 1990s, suggested that an investor could successfully sustain a 30-year retirement by initially withdrawing 4% of their total invested portfolio and adjusting that dollar amount for inflation each subsequent year. Bengen’s goal was to identify the highest possible initial withdrawal rate that would have survived the worst 30-y
