Is the 4% Rule Right for You?
The 4% rule comes from historical simulations of 30-year retirement periods. It's a reasonable default, not a law of physics — a more conservative 3.5% or 3% withdrawal rate raises your FIRE number but lowers the risk of running out during a bad sequence of early returns.
ClaryFIRE's Pro plan makes the safe withdrawal rate fully configurable (Lite locks it at 4%) so you can see your number at 3%, 3.5%, and 4% side by side.
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