research

   The 4% rule is a retirement strategy that suggests withdrawing 4% of your retirement savings annually to ensure that your funds last for at least 30 years.

   This rule is often applied to portfolios composed of stocks, index funds, 401(k)s, and IRAs. 

   The idea is that by withdrawing 4% of your initial retirement balance and adjusting for inflation each year, you can sustainably fund your retirement without depleting your savings too quickly, based on historical market performance. 

i.e. If you have $1 Million saved, you would withdraw $40,000 in the first year, adjusting for inflation the subsequent years. 

   While it's a widely used guideline, it may need adjustment based on individual circumstances, market conditions, and life expectancy.

   The strategy aims to provide a steady income stream while preserving the principle over time.