The 4% Rule Has a Flaw Nobody Talks About (What Im Doing Instead)

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Most retirement plans are built around hitting a number and hoping the market cooperates — and that single assumption creates a risk most people never see coming until it is too late. This video walks through a three-layer income architecture designed to generate cash flow without requiring you to sell assets, including how passive ETF distributions, an active options layer, and a liquidity backstop each serve a distinct role.