Spending Realities in Retirement

It’s usually worthwhile to question conventional wisdom. At the minimum you usually learn where that wisdom came from. Often you learn the conventional wisdom is not the best approach. This happens to apply rather well to the topic of retirement spending. Lets take a look at the conventional wisdom regarding Read more…

Bottoms up retirement planning

Sometimes it pays to go back to basics. With retirement planning it’s no different. The common, top down approach with retirement planning starts with total net worth and then uses a safe withdrawal rate (SWR), most commonly 4%, to figure out how much one can spend per year in retirement Read more…