Coffee break tip: If you retired early and are sticking to the classic 4% withdrawal rule, you might be leaving fun money on the table. Bill Bengen, the guy who made the rule, says it’s not one-size-fits-all—market ups and downs, inflation, and your own flexibility matter. If your investments are doing well or you can cut back when needed, you could spend a bit more guilt-free. Don’t let old rules cramp your style! #Business #MakeMoney #RetirementHacks