The 3% Wealth Trap: Engineering Retirement Certainty

Frank L Day

Published on: 22/07/2026

There is a number in finance that almost no one talks about, yet it governs nearly every dollar you own. It isn’t the S&P 500 year-to-date return or the latest "hot tip" from a cable news talking head. It is the 3% Number. To the untrained eye, 3%