Retire With Purpose - The Retirement Podcast

547: By the Numbers: The Anchors of Retirement Confidence, Part 1 — Finding Your Sustainable Spending Range

7 snips
Feb 6, 2026
They break down a flexible spending system that adapts through retirement. They challenge rigid withdrawal rules and promote spending ranges instead of fixed percentages. They explain why small spending adjustments can stabilize outcomes and why many people naturally spend less as they age. They focus on using flexibility and guardrails to turn uncertainty into control.
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INSIGHT

Safe Rates Are Ranges, Not Rules

  • Safe withdrawal
ANECDOTE

Clients Often Have Excess Capital

  • Many clients are overcapitalized and don't need high returns to sustain spending.
  • Some clients could afford negative returns and still not run out of money.
ADVICE

Find Your Sustainable Spending Range

  • Find a sustainable spending range (e.g., 3–6%) instead of one fixed percentage.
  • Use that range to adapt withdrawals year-to-year based on conditions.
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