Retirement Spending Rules
What if underspending is a retirement failure? I argue exactly that and offer clear retirement spending rules you can actually use. I show a simple portfolio of an equity index fund plus a ladder of inflation-protected bonds, how to recalc your safe withdrawal rate each year, and a funded ratio for needs vs wants.
Rolly's Take
For those who seek a balanced dance between frugality and fulfillment in their golden years. This blog resonates with the pragmatist who understands that retirement isn't just about wealth accumulation but also the art of living richly — savoring experiences without the specter of financial ruin looming overhead.