PeopleImages.com - Yuri A / Shutterstock.com Quick Read The 4% rule assumes a 30-year retirement horizon with a balanced stock-bond portfolio. Ramsey’s 8% rule requires a stock-heavy portfolio to generate sufficient returns. Both strategies demand flexibility to adjust for market conditions. A recent study identified one single habit that doubled Americans’ retirement savings and moved retirement from dream, to reality. Read more here.   When you spend your entire life working hard to save fo ...