Has anyone heard about or tried the Bill Sharpe Plan that says the 4% rule doesn't work? He recommneds purchasing zero coupon risk free bonds to give consistent returns rather than trying to ride the ups and downs of the market. The article is 24 pages long and a bit complicated for my small brain cells. Here is the link:
http://www.stanford.edu/~wfsharpe/retecon/4percent.pdf
http://www.stanford.edu/~wfsharpe/retecon/4percent.pdf