studioroman Key Points The 4% rule says you can withdraw 4% from retirement accounts without worrying about draining your account. A Reddit user said his older friend won’t retire because he’s concerned about being able to follow the 4% rule. Following generic rules often is not the best approach, and it would be smarter to get personalized advice from a financial expert. A recent study identified one single habit that doubled Americans’ retirement savings and moved retirement from dream, to reali ...