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I'm self-employed acetaminophen lewis structure - Be smart about spending during the first year ofretirement. Kitces tells retirees that they should aim to "takewithdrawals low enough to be able to wait it out until returnsrevert to something more normal." How low? Historically,advisers have told people to count on the so-called 4 percentrule: In the first year of retirement, you can withdraw 4percent of your savings. In subsequent years you can increasethat withdrawal by the rate of inflation - most experts buildthat in at about 3 percent a year.