does the 4 rule work for early retirement 
the 4 rule is focused on preparing you for retirement at age 65 if you re hoping to retire early or expect to keep working past age 65 your long term financial needs will be different the bottom linefor most people managing retirement savings is a balancing act if you withdraw too much too fast you ll risk running out of money not withdrawing enough money can deny you the full benefit of your hard earned savings for those who want a rule of thumb to follow the 4 rule is an imperfect but easy to use choice 