Core Insights - The article discusses the 4% rule for retirement withdrawals, suggesting it may not be suitable for everyone depending on their retirement timing and portfolio risk tolerance [2][6]. Group 1: Retirement Timing - Retiring early may necessitate a lower withdrawal rate than 4% to ensure savings last longer than 30 years [3][4]. - Conversely, retiring late may allow for a higher withdrawal rate since individuals may not need their savings to last as long, especially if they have delayed Social Security claims [5][6]. Group 2: Portfolio Risk - The 4% rule is based on a balanced portfolio of stocks and bonds; however, those with a very conservative portfolio may not be able to sustain a 4% withdrawal rate [7].