Canva: Monkey Business Images and Jonathan Ross from Getty Images Quick Read A $4 million nest egg generates$160,000 annually using the 4% withdrawal rule. Healthcare, taxes, and long-term care costs remain major variables that can significantly impact retirement spending. You may enjoy a nice retirement with $4 million saved, but continue to manage your money carefully. A recent study identified one single habit that doubled Americans’ retirement savings and moved retirement from dream, to reali ...