Episode Details

Vanguard just released research showing the most important factor in retirement is not how much you saved. It is how much you withdraw every single year and most people have no idea what that number should be.

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What You'll Learn in This Episode

• Why your retirement balance is not what determines success and what actually does
• How reducing your withdrawal rate by just half a percent can add up to five years to how long your money lasts
• Why longevity is actually a bigger risk to your retirement than a stock market crash
• The default account withdrawal order that can cut your lifetime tax bill by 14%
• When Roth conversions actually make sense and the specific window most retirees completely miss
• How dynamic spending and guardrails let you spend more in good years without blowing up your plan in bad ones
• The one thing Vanguard says people five years from retirement should change immediately

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Resource/s Mentioned

• Vanguard’s Research Library - https://corporate.vanguard.com/content/corporatesite/us/en/corp/what-we-think/investing-insights/research-library.html 
• Vanguard’s Retirement Income Research Paper - https://corporate.vanguard.com/content/dam/corp/research/pdf/vanguard_principles_retirement_income.pdf 

Episode/s Mentioned

• This is THE BIGGEST RISK to Your Retirement Portfolio https://youtu.be/7gXKEy66