Is the 4% rule too conservative?

Bill certainly believes so and stated that the original 4% rule was based on the worst-case historical scenario (1968 retiree). His new research shows most people can safely withdraw 4.7-5.5% today, especially if they adjust for inflation and market conditions.
Tip: Use the higher end if you’re flexible with spending.
👉 Week 10’s session covers how to flex your withdrawals safely.