3%, 4%, or 2%... The only useful sentence is "...none of us knows what the future holds..." The stock market may be bull or bear; one's life may be long or short; the salary may be high or low; the job may be here or gone; one's life style may be frugal or luxurious;... So guessing this number of withdrawal rate is wasteful, useless, and case-by-case dependent.
Just save as much as one practically can for retirement and live a happy, contented, and useful life presently.
