My Boss Thinks 3% Is Safe—But Bill Bengen Disagrees! 😱

I've been stressing out at work lately because my boss insists that if I want to retire early, I should only plan to withdraw 3% from my savings each year. But after listening to Bill Bengen—the guy who actually came up with the 4% rule—I found out he believes 4.2% is safe, even for super long retirements! Now I'm totally confused. Should I follow my boss's super cautious advice, or trust Bengen's research? I feel stuck between wanting to play it safe and not wanting to work forever. Has anyone else dealt with this kind of conflicting advice at work? I could really use some guidance from people who've been through this! 🤔 #CareerPlanning #Retirement #WorkplaceAdvice #JobCareer #Career