04/23/2026
The 4% rule sounds safe… until reality shows up.
Market losses don’t ask for permission.
Taxes don’t take a year off.
And withdrawing from a shrinking portfolio? That’s how plans fall apart.
What worked on paper doesn’t always work in real life.
If your retirement strategy doesn’t account for volatility, taxation, and sequence of returns… it’s not a strategy — it’s a guess.
The difference between running out of money and creating lasting income comes down to how well you plan for what most people ignore.
Want to see how to build a plan that actually holds up?
Shoot me a DM with “PLAN” and I’ll walk you through it.