Finance

Retirement income: from saving to spending — how the rules change.

The day you retire, the job your money has to do changes completely. Instead of growing, it needs to create reliable income and last the rest of your life. Here's how to think about it.

Retirement Income

How to Build a Retirement Paycheck: Turning Savings Into Income

Your working paycheck stops, but your expenses don't. Creating a reliable income stream from savings, Social Security, and other sources is the central challenge of retirement. Here's how people do it.

Retirement Income

The 4% Rule: What It Is, What It Isn't, and How to Use It

The 4% rule says you can withdraw 4% of your portfolio in year one, then adjust for inflation each year, with a high probability of not running out of money over 30 years. It's useful — and misunderstood.

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Retirement Income

Tools relevant to this topic.

Retirement ChecklistCovers income planning, Social Security, and spending strategy.Free download

Budget TemplateMonthly retirement income and expense planner.Coming soon

Monte Carlo CalculatorEstimate how long your savings might last under different scenarios.Coming soon

Official government resources

Straight from the source.

Required Minimum Distribution Tables — IRS.govOfficial IRS guidance on RMDsOfficial Gov Resource
Social Security Retirement Benefits — SSA.govBenefit estimates and claiming informationOfficial Gov Resource

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Retirement income: from saving to spending — how the rules change.

How to Build a Retirement Paycheck: Turning Savings Into Income

The 4% Rule: What It Is, What It Isn't, and How to Use It

What Are Required Minimum Distributions (RMDs)?

Sequence of Returns Risk: The Retirement Risk Nobody Talks About Enough

Social Security as Part of Your Income Plan

Tools relevant to this topic.

Straight from the source.

Retirement income: from saving to spending — how the rules change.

How to Build a Retirement Paycheck: Turning Savings Into Income

The 4% Rule: What It Is, What It Isn't, and How to Use It

What Are Required Minimum Distributions (RMDs)?

Sequence of Returns Risk: The Retirement Risk Nobody Talks About Enough

Social Security as Part of Your Income Plan

Tools relevant to this topic.

Straight from the source.

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