Retire With Purpose - The Retirement Podcast 541: Your 2026 Reset: The Best of the Retire With Purpose Podcast
8 snips
Jan 2, 2026 Discover the top retirement regrets that many face, with a staggering 76% wishing they had saved more. Explore innovative income strategies that surpass the traditional 4% rule, focusing on dynamic, market-aware methods. Learn about the Surplus Bucket Strategy, designed to boost spending confidence through liquid savings. Additionally, understand the importance of both financial and nonfinancial preparedness as you assess your retirement readiness. Casey Weade emphasizes the joy of balancing memories and money for a fulfilling retirement.
AI Snips
Chapters
Transcript
Episode notes
Happiness Without Millionaires
- Most retirees are happy despite not being millionaires, so wealth isn't the only driver of retirement satisfaction.
- Casey Weade highlights that only 13% of retirees have $1M+, yet 80–90% report happiness and purpose.
The 4% Rule Is Overly Rigid
- Standard fixed real withdrawal rules (like 4%) assume constant inflation-adjusted spending every year, which is unrealistic.
- Casey Weade argues retirees' spending patterns vary and many don't increase spending annually for inflation.
Use Flexible Or Guaranteed Income
- Consider flexible income strategies that adjust withdrawals by market performance rather than fixed inflation increases.
- Evaluate guaranteed income or partial annuitization if you need predictable baseline income.