How to afford the Millenial living on your couch

"I don't think the 4 percent rule is as feasible today as it was in the past, and the reason for that is because the market returns haven't been as consistent as we've seen in the past," said Richard Coppa, managing director of Wealth Health.

The rule, calculated in the 1990s, was based on a model portfolio that contained a certain mix of stocks and bonds: 60 percent large-cap stocks and 40 percent intermediate-term government bonds.

Times have changed, though. And with historically low bond yields and a volatile stock market, the rule may no longer apply.

"In the last decade, we've seen a dot-com bubble, we've seen a real estate bubble, we've seen a financial crisis-and all of that impacts the types of returns we're getting on both stocks and bonds," Coppa said.

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