| The United States isotretinoin guidelines therapeutics As with the 12% figure, Ramsey sometimes hedges 8% -- and the actual mechanics of the withdrawal strategy in his book are hazy. If you simply take out 8% of your portfolio balance every year, your income could drop 40% after a year like 2008. Alternatively, if you took out 8% your first year and then increased your income to keep up with inflation in the following years, you'd risk running out of money fast if you hit bad markets early in your retirement.
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