The 4% Rule is arguably the most famous strategy for making sure your retirement income lasts long. Developed in the 1990s, it offers an evidence-based answer to most retirees’ question: “How much can ...
The IRS has released 2026 tax brackets—here’s how understanding your bracket can help you save with smart retirement and Roth ...
Longevity risk is the downside of our longer life expectancies. Here are 10 ways to make sure your money lasts.
The “right” safe starting withdrawal rate is a moving target, depending on equity valuations, bond yields, prospects for inflation, and a retiree’s own life expectancy and asset allocation, among ...
Eugenio Dante Suarez, associate professor of finance at Trinity University, says the "perfect withdrawal amount" isn't 4%.
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 ...
Early withdrawals are generally subject to a 10% penalty, in addition to normal income taxes. But there are lots of exceptions—including some new ones. Here’s the latest. One source Americans consider ...
When times are tough and household budgets are under severe strain, taking cash out of your 401(k) plan can provide some relief. However, it’s best to be cautious, as there are specific rules related ...
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 ...
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