The 4% figure comes from something called "The Trinity Study" and most definitely considers inflation. For more information about safe withdrawal rates then yo

The 4% figure comes from something called "The Trinity Study" and most definitely considers inflation. For more information about safe withdrawal rates then you probably want see https://earlyretirementnow.com/safe-withdrawal-rate-series/ https://earlyretirementnow.com/safe-withdrawal-rate-series/