William Bengen Raised The 4% Rule To 4.7%

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Издатель Sep 22, 2026

You have been holding and quietly doing the same math in your head. How much is actually enough.

Almost every answer starts with a price target. That is backwards.

Two people can hold the exact same number of coins. One retires and one does not. The difference is not the coins. It is what they spend.

William Bengen created the 4 percent rule, which is the guideline for how much of your portfolio you can safely withdraw each year. In 2025 he raised it to 4.7 percent.

Run your own life through it. Sixty thousand dollars a year of spending puts your number at about 1.3 million, diversified, not sitting in one coin.

Enough was never a coin count. It is spending, measured against a rule.

If you want your number worked out, comment the word WAITLIST