The 4% rule of thumb serves as a guideline to determine a “safe” withdraw rate (SWR) from retirement accounts intended to last a 30-year retirement period. The premise itself is straightforward – you withdrawn 4% of your total retirement portfolio in the first year of retirement. Going forward, the 4% withdrawal rate is adjusted for inflation. For example, let’s assume you saved $1 million for retirement. Year 1 would mean you withdraw $40,000 ($1,000,000 x 4%). Year 2 wo