The Flaws in the 4% Rule for Early Retirees: What You Need to Know
6 May 2026 · 1 min
0:31
Sean Polley breaks down why the 4% withdrawal rule fails for early retirees. The rule assumes you retire at 65, but retiring earlier means longer lifespans, worse sequence-of-returns risk, and tax problems. He walks through dynamic strategies and guardrails methods as safer alternatives.
