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

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 break it down: what Dave says, what the research says, and what Ryan thinks. Here’s what we discuss in this episode: 📉 Stock Market Risk: Understanding the volatility of an all-stock portfolio 📏 The Traditional Rule: Why 4% became a common retirement benchmark 🚨 The 8% Concern: How withdrawals can magnify losses during a downturn 🧾 Taxes Matter: Choosing which accounts to withdraw from strategically 🧩 Your Personal Number: Building an income plan around your unique needs   Check out the article about this topic: https://finance.yahoo.com/news/ramsey-8-retirement-rule-sounds-170209842.html    Visit us online: https://blackoakam.com/ Phone: (470) 508-0508 Get in touch with the Black Oak team: https://blackoakam.com/contact-us/ Schedule a call with Ryan: https://speakwithryan.com/ Get your tax-free retirement toolkit: https://bit.ly/3PMjKqc Get more financial education on our YouTube Channel: https://bit.ly/45kJlwI