all i got out of article is that after 15 years, they are down 1/3 of nest egg... if it continues, they would be down another 1/3 at 30 years post retirement, and hit zero at 45 years...
most of the year 2000 retirees in the study were 65 at time? they would be past 100 after 45 years... and dead...
for people here that retire in 30-40s, we wont be dead after 45 years... probably
the rest of it was him speculating... i do think 4% is a good rule, but not a blind faith thing