FOLLOW @lindamoneytips to increase your financial knowledge in saving, budgeting, investing and more. The “4% rule” for retirement suggests that a retiree can safely withdraw 4% of their total retirement savings during their first year of retirement, and then adjust that amount each year thereafter to account for inflation, with the goal of not running out of money over a 30-year retirement period. This is considered a general guideline, not a guaranteed strategy, and may need to be adjusted bas