You may not be able to save nearly as much as you could have a year or two years ago refinancing, but it's still maybe worth the savings. The 4% rule comes from a study done in the 90s down at a university in Texas called Trinity University. Even if one of those terrible things happens, you retire right into the 2000.com crash or the 2008 global financial crisis or World War II or the Great Depression or the 1970s stagflation, you're still highly likely to not run out of money in retirement.

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