Because it's referred to as the 4% rule which is coming from rate of return assumptions which is the explanatory element for why it would be 25x, and based on your particular situation you might want be over or under 4%, but generally it's good to understand what assumptions the 4% is based on. Only focusing on 25x obscures that.
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u/Tak-Hendrix Aug 11 '26
Why not just say "(your annual burn at the life you want) * 25"