Ep 397 - The 4% Rule Will Wreck Your Retirement

The 4% rule sounds comforting until you stress test it. Say you have $1M in retirement accounts: 4% is $40,000 — but after taxes that's closer to $32-33K of spendable income, maybe $55-60K with Social Security. Now drop that into 2022: markets fall 15-20%, your $1M becomes $816K — about four years of income gone. Next year, do you take 4% of the original million or 4% of what's left? Do you add the inflation adjustment? This is how retirement plans implode, because nobody can predict when the market takes its hit. The rule assumes perfect conditions, and perfect conditions no longer exist. Ysurance flips the conversation: instead of selling assets to create income, it's designed to produce income monthly, predictably, and tax advantaged when structured correctly — starting with safe, guaranteed life insurance foundations, then leveraging into cash-flowing assets, while the system keeps compounding behind the scenes. Build around four keys: time, compounding, wise leverage, and tax advantages. Want to build a multi-generational income strategy? Book a strategy session: [email protected] #Yieldz #Ysurance #DanThompson #RetirementPlanning #4PercentRule #WealthBuilding #TaxStrategy #PassiveIncome #FinancialFreedom