Make Your Money Last Forever, and the E-Shaped Economy

41 snips

Mar 14, 2026

Practical strategies to make your portfolio last, including withdrawal rules, annuities, and reserve assets. A look at the shifting economy as middle-income Americans show strain and income divides evolve into an E-shaped pattern. Rising oil prices and their potential drag on growth are discussed. Tips on checking Social Security projections and when to delay claiming are also covered.

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INSIGHT

U.S. Market Dominance Over 125 Years

U.S. share of global GDP and equities has risen dramatically since 1900, with U.S. stocks now 62% of the global market.
UBS yearbook shows $1 in U.S. stocks in 1900 grew to $124,854 by 2025 despite most 1900 industries being small or extinct today.

ADVICE

Don't Retire Without Running The Numbers

Do not retire until you run retirement calculations and confirm your portfolio can replace your paycheck.
Use high-quality calculators and consider a fee-only financial planner for an objective assessment before retiring.

ADVICE

Pick A Historically Tested Withdrawal Rate

Choose a safe initial withdrawal rate; William Bengen's updated research suggests 4.7% historically survived 30 years.
Bengen notes average historical safe withdrawal was ~7%, and he recommended 5% for retirees in 2025 conditions.

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A survey from Allianz found that 64% of Americans worry more about running out of money than death. Host Robert Brokamp offers eight suggestions for making your portfolio last forever or until you die, whichever comes first.

Also in this episode:
-The K-shaped economy is starting to look more like an E as middle-income Americans tread water and are showing signs of strain.
-Oil prices are skyrocketing, exceeding the so-called Hamilton Trigger – the point when an oil shock becomes a drag on the economy.
-Over the past 125 years, U.S. equities have grown from 15% to 62% of the global stock market, despite the fact that 80% of the U.S. stock market in 1900 was in industries that are small or extinct today.
-Download your Social Security statement to see how much you’re projected to receive at various claiming ages – just make sure you know how to interpret the projections.

Host: Robert Brokamp, CFP®
Engineer: Bart Shannon

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