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The 4% Rule. In retirement, you can safely withdraw about 4% of your portfolio each year without running out of money, based on decades of historical data. Example If you save $1,000,000 You can withdraw about $40,000/year Which is around $3,333/month (pre tax) This simple rule changed my life and my entire career path. It taught me how to think long term, how to be intentional about wealth, and how to build real financial freedom instead of just working harder forever. Understanding this rule i