Key Points The 4% rule has you withdrawing 4% of your nest egg your first year of retirement and adjusting future withdrawals for inflation. It may not be a good rule to follow if you're retiring early or late. A conservative portfolio may not be able to sustain a 4% withdrawal rate through the years. The $23,760 Social Security bonus most retirees completely overlook › If you're retiring in 2026, you may have different income sources at your disposal. One might be Social Security, which you can ...