text:  A year ago, there was all these articles saying, with what's been going on in the market, we can't trust the 4% rule. Then about six months ago, there was all these articles saying, hey, the market's doing so well, the 4% rule can be used again. I'd like to use this quote from the person who created the 4% rule. His name is William Bengen, and he says this, and I quote, the problem is there's no precedent for today's conditions, end quote. Powerful.