Stephen Lovekin/Getty Images Key Points The 4% rule helps you establish a safe withdrawal rate. Suze Orman says not to follow the 4% rule because you may take out money when you don’t need it and not have money when you do. Other evidence also points to the fact following the 4% rule is a bad idea. If you’re thinking about retiring or know someone who is, there are three quick questions causing many Americans to realize they can retire earlier than expected. take 5 minutes to learn more here W ...