 But here's where the story takes an interesting turn. I've come across some statistics that have opened my eyes to the world of alternative solutions. In a recent study conducted by the Retirement Planning Institute, they found that retirees who strictly adhere to the 4% rule alone have a whopping 45% chance of running out of money in their lifetime. Now that's a risk I wouldn't take with something as crucial as my retirement, and I'm sure you wouldn't either.