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The logic behind the number 25 is simple. It assumes that a retiree can withdrawal 4 percent of his or her investments each year without substantial risk of running out of money. Did you see what I did there? I snuck in the word “substantial” just before “risk.” Yes, it’s a lawyer trick designed to give us an out. But it’s important. There are no guarantees here. But a 4 percent withdraw rate is a safe bet, according to the experts.
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