Hey, it's Justin from Optimal Living Daily. Before we start, I want to share a super powerful practice I use called

NSDR, or non-sleep, deep rest. In just about 10 minutes or so, this yoga nidra practice

leaves you feeling as refreshed as after a nap without actually sleeping. Experience it for yourself

on our guided podcast. Search NSDR and look for the one from Optimal Living Daily.

This is Optimal Finance Daily, the 4% Retirement Rule, why you can plan but not predict by Chris

Rining of chrisrining.com.

Apollo 13 was going to be the third time Americans had landed on the moon.

But there they were, 205,000 miles from Earth, when they heard a loud bang.

I knew right away it was not a normal circumstance, said one astronaut.

An oxygen tank had exploded, crippling the spacecraft. Operating on limited power, the crew had little heat or water and were forced to rig the

carbon dioxide removal system in order to survive. After a nail-biting six days, the crew safely returned to Earth. In the investigation

that followed, the cause of the failure was determined to be an unlikely chain of events.

High temperatures inside the oxygen tank had melted wire insulation, causing them to short circuit

and produce sparks igniting more insulation,

which then boiled the liquid oxygen inside the tank,

which caused the internal pressure to exceed its limit

and blow the bolts right off the tank.

Arguably the most sophisticated space program in the world,

yet defeated by some wire insulation. You can plan,

but not predict. And if you're planning for retirement, it won't take long before you come

across the 4% safe withdrawal rate, which goes something like this. Withdraw 4% of your investment

portfolio the first year of retirement, and then take that same

...