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Love Hajar Bouazzaoui ‘s answer "Start by not asking the 99%". On an average day, I would write that answer too. But I am in a good mood today. I am not the 1% yet. My answer might not be perfect, but it will give you some ideas.

As you can see, the 4% value is actually somewhat of a worst-case scenario in the 65 year period covered in the study. In many years, retirees could have spent 5% or more of their savings each year, and still ended up with a growing surplus.

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