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Retirement

The Daily Money: The 4% rule becomes the 4.7% rule

Updated Sept. 2, 2025, 11:15 a.m. ET

Good morning! It’s Daniel de Visé with your Daily Money.

Three decades ago, financial adviser Bill Bengen created a retirement principle called the 4% rule. It went viral. 

Now, the rule is getting an update. We asked Bengen himself to explain.

Fewer Americans stopping for fast food

Fast-food restaurants, once the first stop for Americans looking to grab a meal before a long work day, are fighting to win back customers.

Breakfast sales across the fast-food sector have seen declines. Here are the reasons.

'Trump Accounts' are free money. Here's how to claim it.

Every child born between 2025 and 2028 is getting a baby shower gift from Congress and the president: a $1,000 deposit into a “Trump Account.” 

It’s free money, but your baby can’t spend it. Think of "Trump Accounts" as seed money, basically, to encourage children and families to save and build wealth for the many expenses of adulthood. Here's how they work.

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About The Daily Money

Each weekday, The Daily Money delivers the best consumer and financial news from USA TODAY, breaking down complex events, providing the TLDR version, and explaining how everything from Fed rate changes to bankruptcies impacts you.

Daniel de Visé covers personal finance for USA Today.

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