Plain-English, research-backed articles on the skill nobody teaches during forty years of saving: how to spend it down with confidence.
New here? Start with Why Your 401(k) Balance Isn’t a Paycheck (Yet).
You spent forty years learning to save. Almost no one teaches you how to spend it back down. Here is the client story that shows why, and how to find your Retirement Paycheck Gap.
Read the article →Research keeps finding that retirees spend more comfortably when money arrives as dependable income instead of a balance they are afraid to touch. Here is what guaranteed income actually means.
Read the article →Two retirees can earn the identical average return and end up in very different places. And a long, healthy life is good news your plan still has to survive.
Read the article →Why even a large balance can leave you anxious about spending a dollar of it, and what actually quiets the worry.
Read the article →Why the four percent rule is showing its age, and how separating an Income Portfolio from a Growth Portfolio solves both the money and the worry.
Read the article →The two market risks a balance cannot show you, and how the Paycheck Stability Index turns them into a single number you can act on.
Read the article →New articles and payout-rate updates, once or twice a month. No sales pitches.
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Reading is a great start. The assessment turns what you just learned into your actual Retirement Paycheck Gap™ and Stability Score.
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