When it comes to spending in retirement, financial advisers and investment experts have long clung to the golden 4% rule as gospel — that retirees can safely withdraw 4% of their retirement account in the first year, and adjust that percentage for inflation annually, providing adequate income for about 30 years. However, the rule now appears to be approaching its own retirement. That’s according to William Bengen, the financial planner who popularized the rule back in 1994. In a September 2025 interview ...