Many experts consider the 4% rule for retirement account withdrawals to be outdated. Let's discuss the new recommendation and ...

For a 65-year-old staring at a lifetime of paychecks replaced by portfolio statements, the central question is not just "Did ...

Some people will spend decades saving and investing for retirement, only to discover that they missed a step along the way. That commonly "missed" step? Devising their plan for decumulation − in other ...

Decumulation is the period in which you spend the money you've worked so hard to accumulate. If you're still working and tucking money into a retirement plan, you're in the "accumulation" phase. Once ...

If you’re planning for retirement, it’s easy to get sucked into focusing on the “magic number” you think you’ll need to finally stop working and live comfortably. In fact, you could spend so much time ...

Financial experts often recommend withdrawing 4% of your nest per year once you stop working. That strategy could limit your income in retirement. Dave Ramsey has a strategy that could leave you with ...

Here’s What Your Retirement Spending Rate Should Be in 2026 New research shows that flexible withdrawal strategies can help you spend more in retirement. Christine Benz and Margaret Giles Dec 5, 2025 ...

The 4% rule assumes a 30-year retirement horizon with a balanced stock-bond portfolio. Ramsey’s 8% rule requires a stock-heavy portfolio to generate sufficient returns. Both strategies demand ...

You spend your entire career saving for retirement. Unfortunately, once the time for retirement comes, many people who have diligently saved end up making a major mistake with the money they've put ...