Retiring the 4% Rule A portfolio created with your long-term objectives in mind is crucial as you pursue your dream retirement. Share | Related Content Emotional vs. Strategic Decisions Information vs. instinct. Are your choices based on evidence of emotion? Healthcare Costs in Retirement Without a solid approach, health care expenses may add up quickly and potentially alter your spending. Should You Borrow from Your 401(k)? Does it make sense to borrow from my 401(k) to pay off debt or to make a major purchase?