GP is also not quite right. The point of the 4% rule is it's the historically maximum safe withdrawal rate. You're not assuming a 7% return here. You're assumin

GP is also not quite right. The point of the 4% rule is it's the historically maximum safe withdrawal rate. You're not assuming a 7% return here. You're assuming that there's not been a time ever where 4% wasn't indefinitely sustainable. https://www.mrmoneymustache.com/2012/05/29/how-much-do-i-need-for-retirement/ https://www.mrmoneymustache.com/2012/05/29/how-much-do-i-nee...