Spending in Retirement

Permission to Spend

Physicians Don’t Need More Spreadsheets. They Need Permission to Spend. Not from me. Not from Monte Carlo. From themselves. “Permission to spend” is the bridge most financially independent physicians never cross. You can have a bulletproof plan, a 2–3% withdrawal […]

Retirement Spending Smile vs. Lumpy Expenses

Retirement Spending Smile or Lumpy Expenses? Future expenses are a major puzzle in retirement. How much money will you need to spend in the future? You have ‘guaranteed’ lifelong sources of income, such as social security, pensions, and good annuities. […]