Aspiring retirees came to see that the Multiply-by-25 Rule (or any of the possible variations of it) does not answer their most important question — how much does an investor heavily invested in stocks need to save to finance a safe … My personal belief is that both of these rules bring to light useful insights as to how investing works but that neither by itself tells the full story. I believe strongly that the 4-Percent Rule at some times overstates and at other times …
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