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Podcast: Retire Today
Episode: Why Retirement Spending Plans Fail — and How to Spend More With Confidence with Stefan Sharkansky
Description: Retirement researcher Stefan Sharkansky explains why the 4% rule often leaves retirees underspending — and how a more flexible, math-driven approach can lead to a better retirement experience.
For decades, the 4% rule has been treated as a gold standard for retirement spending. In fact, I made video about it on my YouTube channel. If you ask most retirees how much they can safely spend, the conversation quickly turns to probabilities, simulations, and avoiding failure.
But what if the real risk isn’t running out of money — it’s not using it well?
In this episode of Retir...