The 4% rule also only applies to people at retirement age => death (i.e. 30-40 years). If OP is only 20-30, that's not going to be guaranteed to work, you probably want to think 2.5-3%, though also keep in mind that your taxes when living off of capital gains / dividends (at least in the US) are going to be way lower - if you do it Right you probably will pay less than 5% federal taxes (CA state is a different story, though you can always move)