WCI #464: Is The 4% Rule Still Safe? (Creator Responds)

The 4% rule has been one of the most widely used frameworks in retirement planning—but is it still valid today? In this episode, we sit down with Bill Bengen, the creator of the 4% rule, to discuss how retirement strategies have evolved and what high-income professionals should be thinking about now. We cover his latest book, A Richer Retirement, along with his current recommendations on safe withdrawal rates, portfolio construction, and how different asset classes can impact retirement income. We also address common misconceptions about the 4% rule, answer audience questions, and explore what actually leads to a successful—and happy—retirement. If you're a physician, dentist, or high-income professional planning for retirement, this conversation will help you better understand how much you can safely spend—and how to think about risk, flexibility, and long-term planning. Today's episode is brought to us by SoFi , the folks who help you get your money right. Paying off student debt quickly and getting your finances back on track isn't easy, but that's where SoFi can help — they have exclusive, low rates designed to help medical residents refinance student loans—and that could end up saving you thousands of dollars, helping you get out of student debt sooner. SoFi also offers the ability to lower your payments to just $100 a month* while you're still in residency. And if you're already out of residency, SoFi's got you covered there too. For more information, go to SoFi Student Loans are originated by SoFi Bank, N.A. Member FDIC. Additional terms and conditions apply. NMLS 696891. The White Coat Investor Podcast launched in January 2017, and since then, millions have downloaded it. Join your fellow physicians and other high income professionals and

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WCI #464: Is The 4% Rule Still Safe? (Creator Responds) is an episode from White Coat Investor Podcast by Dr. Jim Dahle of the White Coat Investor.

This episode is 39:55 long.

This episode was published on Mar 26, 2026.

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