text:  And so if you use the 4% rule and your account is down 20% and now you've taken out 4%, the next year you have to do one of two things. Take out less money or continue to take out the 4%, right? And if you do that, you could put your retirement income plan into a death spiral at that point. So this is a rule that Prashant and I always stray away from. And we always look at it's way more important to focus in on buckets of money