Quick Read Dave Ramsey advocates 8% annual withdrawals based on S&P 500 (SPY) returns averaging 10% over the past decade. The 8% S&P strategy fails during bear markets when withdrawals lock in permanent losses on depleted portfolio balances. The 4% rule survived stress tests against the Great Depression and 1970s stagflation with balanced portfolios. A recent study identified one single habit that doubled Americans’ retirement savings and moved retirement from dream, to reality. Read more here. ...