The 4% Rule and How It Affects Your Portfolio

The 4% rule is this idea that if I build up a portfolio based on historical market environments, odds are I should not run out of money given the historical average returns on the market. The reason the 4% withdrawal was put into place is so that you don't have to change your lifestyle because how's the market behave? Right? What often happens with the market last year at last 19% year before that it made money year before thatIt was up. Sometimes the market's up 14% and then down 2% and then up 20% and down 3% and thendown 4%. And very rarely does it hit that 4% number. But on average, when you look at rolling