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If one of your New Year’s resolutions includes getting your finances in order, you may benefit from creating and maintaining a yearly checklist. A financial checklist can help you stay on top of your finances and make progress toward your financial goals.

In 1994, financial advisor William Bengen introduced the "4% rule," a retirement planning guideline suggesting retirees can withdraw 4% of their savings annually. While foundational, evolving financial landscapes and the rule's limitations highlight the importance of personalization, flexibility, and regular reassessment when crafting sustainable retirement strategies.