Tag Archives: flexible spending

The impact of realistic spending on your retirement

In a post last week I showed that for the majority of retirees the standard recommended spending model in retirement does not match reality. Spending ┬áin retirement actually grows by less than inflation over time. In this post I want to show you how using a more realistic sending model impacts how much you can withdraw from your portfolio in retirement. If we go back and use the same model we used to calculate SWRs, we can adjust annual spending to see the impact of using a more realistic spending model on SWRs. For this post I simply changed the … Continue reading

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