0&&s)if(o){var a,r=(a=e.newCount)>99;s.textContent=r?"99+":a+"",null===(n=s.parentElement)||void 0===n||n.classList.add(Jn)}else s.style.display="block"},f=function(){u.refreshPanel().then(m).then(te).catch((function(){}))};if(e.addEventListener("close-all-menus",(function(){ke(c)||d()})),c){f();var v=setInterval((function(){f()}),3e5);e.onDestroy((function(){clearInterval(v)})),o?l&&l.addEventListener("mouseenter",(function(){p(),null==n||n.show()})):c.addEventListener("mouseenter",(function(){p(),null==n||n.show()})),c.addEventListener("mouseleave",(function(){d(),null==n||n.hide()}))}e.addElementListener(i,"click",(function(){ee("ybar","notification","",{elm:"btn",elmt:"block"===(null==s?void 0:s.style.display)?"newalert":"",subsec:"notification",itc:"1"})})),a&&Se(e,a,"ybar","notification",{elm:"expand",subsec:"notifications",itc:"2"}),e.addElementListener(r,"focusin",(function(){i&&(i.checked=!0),null==r||r.classList.add("ybarMenuOpen")})),e.addElementListener(r,"focusout",d),e.addElementListener(t.tooltipContainer,"focusin",(function(){null==n||n.show()})),e.addElementListener(t.tooltipContainer,"focusout",(function(){null==n||n.hide()}));var y=e.getConfig().device,h=document.getElementById("ybar");h&&h.classList.contains("ybar-ytheme-crunch")&&(io=0);var b=new RegExp("[?&]notifications=1(&|#|$)");"desktop"===y&&i&&b.test(window.location.search)&&(i.checked=!0)};be("ybar-mod-notification",(function(e){var t={isUH3:"crunch"===e.getConfig().ytheme,notifContainer:document.getElementById("notification-container"),notifBadge:document.getElementById("notif-badge"),notifMenu:document.getElementById("ybarNotificationMenu"),notifMenuOpener:document.querySelector("#ybarNotificationMenu + label"),notifDropdown:document.getElementById("notifDropdownContainer"),tooltipContainer:document.querySelector(".".concat(Vn)),notifLabel:document.querySelector(".".concat($n))};t.notifDropdown&&ro(e,t)}))}()}};]]>Vawn HimmelsbachTue, Sep 23, 2025, 12:30 PM 5 min readIt seems the 4% rule is now the 4.7% rule.Three decades after financial planner William Bengen came up with a simple yet elegant solution to help clients balance their retirement spending, the creator of the 4% rule has updated this widely suggested practice for modern times.Thanks to Jeff Bezos, you can now become a landlord for as little as $100 — and no, you don't have to deal with tenants or fix freezers. Here's howDave Ramsey warns nearly 50% of Americans are making 1 big Social Security mistake — here’s what it is and 3 simple steps to fix it ASAPI'm 49 years old and have nothing saved for retirement — what should I do? Don't panic. Here are 6 of the easiest ways you can catch up (and fast)“The primary reason for the change is that my research has gotten more sophisticated,” he told USA Today [1] in an article published Sept. 1.Bengen was originally looking for a way to explain how much a person could spend each year in retirement before running out of money. He came up with the 4% rule and his findings were published in the Journal of Financial Planning [2] in 1994. The rule stipulates that you withdraw 4% of your savings in the first year of retirement, and each year afterward, you withdraw the same amount but adjusted for inflation. The idea was that you could safely stretch your retirement savings for 30 years.The 4% rule caught on and is now a commonly referenced “rule of thumb” in financial planning circles — though the rule has been hotly debated over the years.Now, Bengen says it’s time to revise that number. Here’s why, and how it could impact your retirement plans.Part of the appeal of the 4% rule is that it provides a simple formula to solve a problem many Americans fear: that they’ll run out of money before they die.Indeed, a recent Allianz survey found that not only are 62% of Americans not saving as much for retirement as they’d like, 64% worry more about running out of funds than death. This fear is most prominent among Gen X, who are closer to retirement than millennials or Gen Z.But since Bengen first came up with the 4% rule in the 90s, the world has changed — a lot.Read more: Rich, young Americans are ditching stocks — here are the alternative assets they're banking on insteadThe rule was based on a hypothetical portfolio of 50% large-cap stocks and 50% U.S. bonds — although it allowed for as much as 75% in stocks. It also used historical market returns.Now, a more common asset split is 60/40 (stocks/bonds) or even 70/30. 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