The reliance on the 4% rule as a guideline for retirement funding can be problematic due to oversimplification and lack of context. While many endorse it for its perceived safety, biases, particularly confirmation bias, can skew perspectives. Experts in the field highlight that the rule is not universally applicable and caution against treating it as a universal solution. Individual circumstances should dictate financial planning, emphasizing that each situation requires personalized consideration rather than adherence to a generalized heuristic.