Coffee break money tip: The old '4% rule' for retirement spending just got a glow-up—now it’s 4.7%. That means if you’ve got $1 million saved, you could start with $47,000 a year instead of $40,000. Why the change? More diverse investments and updated market data. But heads up: inflation and market swings still matter, so don’t treat this as a one-size-fits-all. Personalize your plan and keep an eye on your spending! #Business #MakeMoney #retirement