{"type":"rich","version":"1.0","provider_name":"Transistor","provider_url":"https://transistor.fm","author_name":"The Asset Preservation Hour","title":"70 ā€“ Why the 4% Rule Doesn't Fit Everyone's Retirement","html":"","width":"100%","height":180,"duration":1508,"description":"In this episode of The Asset Preservation Hour, financial advisor Stewart Willis breaks down Morningstar's newly released 2026 retirement withdrawal rate report, which shows the recommended rate ticking up to 3.9 percent from 3.7 percent last year. But what does that number actually mean for you? Stewart explains the assumptions behind the famous 4 percent rule, why it was never meant to be a one size fits all formula, and why some retirees can comfortably spend more while others need to be more conservative.\nStewart and Spike Spengel dig into the psychology behind retirement spending, from the fear of missing out on strong market returns to the emotional pullback that follows a downturn. They also cover the risks that don't always make headlines, including social security's uncertain future, rising longevity, and interest rate exposure inside a supposedly safe bond portfolio. Stewart shares why real financial planning starts with a personalized cash flow analysis rather than a static rule, and opens up about how he's raised his own kids to be self sufficient rather than dependent on an inheritance.\nWhether you're years from retirement or already living in it, this episode offers a clear eyed look at how much you can really afford to spend and why your plan should be built around your goals, not a generic percentage.\nšŸ“ž Call 877-5-RETIRE or visit AssetPreservationWealth.com to schedule your complimentary income plan review.","thumbnail_url":"https://img.transistorcdn.com/wfGAkg8Op7RR3x-PC7tljJ7P3GEU8lSppj4RYNe6L-o/rs:fill:0:0:1/w:400/h:400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS8zYTNm/YTQ0MWU3NmMyMWJj/NWExMzNkZGI3ZmYx/ZTk4NC5qcGc.webp","thumbnail_width":300,"thumbnail_height":300}