That really depends. How much do you need to cover your expenses (beyond Social Security benefits and other fixed income)? How long does the income need to last? How bad will inflation be over that time? How high are your taxes? How will your investments perform? The whole point of the 4% rule and its variants, as well as that of the guardrails approach, is to devise a strategy for living off the income from your nest egg for decades with minimal risk of running out of money before you die.