Tag Archives: flexible

Higher retirement spending by staying flexible

In earlier posts I’ve covered how much it takes to retire, the safe withdrawal rate (SWR), and one method of increasing the safe withdrawal rate. Today I wanted to cover the method I use to increase my SWR significantly without taking on any more risk. Sounds exciting huh? Well, maybe to a retirement calculating geek like me….. The answer to increasing SWRs in retirement is flexibility, in particular flexibility in spending. As I wrote in how to implement the SWR, the annual adjustments in spending are based of the first year’s withdrawal and are then adjusted for inflation. You never … Continue reading

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