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Tag Archives: 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