This week we unpack Morningstar's report entitled: The State of Retirement Income: Safe Withdrawal Rates.  Do we need to replace the old 4% rule with the 3.3% rule?  We also address the differences between ETFs and Mutual Funds when it comes to index investing.You can download Morningstar's report using this link.Do you have a question or comment you'd like covered on the show?  Email us at  checkyourbalances@outlook.com and maybe the spirit will inspire Ross to mail Check Your Balances mugs once again.