<prompt> Human: My understanding of the 4 rule is that you can retire when your yearly drawdown is 4 of your savings. The theory being, market pays 7, inflation is 3, so 4 is sustaining. High level summary obviously. Please correct that if Im wrong.If that is correct, this seems to bake in a huge assumption: that you want to die with all your retirement savings for a kid of next of kin or something. What if you are OK with dying with less money than you retired with? Half? Or even 0? Is there a model that allows you to adjust the 4 rule based on what percentage of your initial retirement savings you are looking to leave behind?  <response>: What if you are OK with dying with less money than you retired with? Half? Or even 0? Is there a model that allows you to adjust the 4 rule based on what percentage of your initial retirement savings you are looking to leave behind?So the issue is here is that even the 4 rule has a 5 chance that you run out of money 30 years later.Yes you might ideally want to die with 0 dollars in the bank but its basically impossible to accurately plan for that without running a huge risk or running out of money beforehand. 