The 4% Rule vs. the 8% Rule: What's the Right Withdrawal Rate for You?

The 4% Rule vs. the 8% Rule: What's the Right Withdrawal Rate for You?

July 9, 2026 · 14 min · Episode 173

About this episode

The episode discusses the differing views on retirement withdrawal rates, particularly contrasting Dave Ramsey's 8% rule with other financial research.

Dave Ramsey has built one of the most recognized brands in personal finance. Millions of people have followed his advice out of debt and into savings. But when it comes to how much you should pull from your retirement accounts each year, Ramsey takes a position that some financial professionals find hard to get behind. Today we're breaking it down: what he says, what the research says, and what your advisor actually thinks. Ramsey’s 8% Retirement Rule Sounds Nuts At First Article Show Links & Info: SPC Investing: http://spcinvesting.com/ Schedule A Visit: https://talkstomike.com/

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