The 4 Percent Rule Just Broke Do This Instead

The 4% rule was designed for a stable world, and stability is in short supply right now. If you're heading into retirement still relying on this decades-old strategy, there's a better way. In this video, I'm introducing dynamic distribution, a smarter, more flexible approach to retirement income that moves with you. We'll cover income guardrails, guilt-free spending, and why a plan beats a rule every single time. Timestamps: (00:00) Intro: Why the 4% Rule Is Breaking Down (00:30) The Problem With One Singular Portfolio (01:15) What Is a Dynamic Distribution System? (02:00) Understanding Your Income Guardrails (02:45) When the 4% Rule Still Makes Sense (03:30) Paychecks vs. Lifestyle Money (04:15) Flexibility Over Rigidity in Retirement (05:00) You Deserve a Plan, Not Just a Rule Connect with me: Website: meritfinancialadvisors.com/about/locations/marietta-ga/ Podcast:    / @yeomansconsulting   Facebook: facebook.com/Yeomans.yourretirementcoach LinkedIn: linkedin.com/in/nicyeomans Email: connect@meritfa.com If this helped you, please like my video and subscribe to follow me for more retirement tips. Disclaimer: Investment advice offered through Merit Financial Group, LLC., an SEC-registered investment adviser. #retirementplanning #4percentrule #retirementincome #dynamicdistribution #financialplanning #retirementstrategy #wealthmanagement