3min chapter

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Derek Tharp: spending in retirement

Bogleheads® Live

CHAPTER

How to Use Risk-Based Guardrails to Produce Sustainable Cash Flows in Retirement

Risk-based guardrails can be used to produce sustainable cash flows in retirement. Guidance cleaner relaxes some rules, and we're at a certain point to try and address that. The biggest one being that the distribution rate should actually go up over time as you approach retirement.

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