How to account for taxes using the 4% rule

L'auteur cherche à savoir comment intégrer les impôts dans la règle des 4% pour sa retraite, avec des comptes et des investissements ayant des implications fiscales variées.

Does the 4% rule account for taxes? I googled it, and the answer seems to be “no.” So wanted to turn to this group for advice. Let’s say my annual “need” is $150,000. Thus the 4% rule suggests I would need $3.75 M to comfortably retire. How should I factor taxes into the equation? What if my theoretical $3.75 was spread across multiple accounts with various tax implications (Roth IRA, IRA, Roth 401k, 401k, and Taxable brokerage) as well as various investments with different tax implications (short term gains, long term gains, etc.). Is there a simple way for me to factor in taxes (i.e. “just use 3.5% not 4% and you should be good”) or should I be doing more complex math? All advice is welcome. Curious how this group thinks about it.