Ignore Retirement Alarmists: 4% Rule Is Safe

No one wants to be 95 years old and realize that there's no money left to pay for basic needs. Just at the moment when medical bills might start piling up, you need to ask for help from family and friends to make ends meet. Though many would be OK with help from their "tribes," few want to put themselves or their loved ones in that situation, and many won't even have the option.