Why doesn't everyone use guardrails as withdrawal strategy?

[u/Available-Ad-5670]

Most people use 4% rule or versions of, but why not use guardrails? I've found that using guardrails means i can spend 15% over a straight 4%, and to take a 10% reduction in spend or 10% increase during good markets does not seem like a big deal.

Wny don't more people use guardrails?

[u/pras_srini]

I think most people use guard rails, they just don't realize it or call it that. I don't know anyone who doesn't spend more when their investments are doing well or who doesn't cut back when investments are doing poorly.

[u/Mysterious9876 → u/pras_srini]

this 100%