Ben Oberg said something on the show I haven't been able to shake.
Unless you want to stay in the middle class your whole life, work forever, never have options, never have financial freedom, and basically be a sheep, doing what you're told and never questioning any of it, then sure, go earn your four percent.
Otherwise you end up like your parents if they weren't wealthy, or like the people you went to high school with who are on their sixth degree, eight hundred thousand dollars in student loan debt, working as a server at Olive Garden.
Harsh. But he's not wrong.
Save this for the next time someone tells you four percent is good enough.