Retirement planning has long revolved around the “4% rule,” the idea that you can safely withdraw 4% of your portfolio each year without running out of money. While this rule of thumb is useful, it’s far from perfect. Markets change, inflation surges, and personal circumstances vary too much for one guideline to fit everyone. That’s why more retirees and planners are exploring flexible, practical strategies to make spending in retirement less stressful and more sustainable. Here are eight retirement-spending rules that deserve your attention.
