Using Flexible Spending To Achieve Financial Goals

Financial planning and specifically portfolio “safe” withdrawal rates are often viewed and analyzed from the perspective of rigid rules that can’t be broken – i.e., you will take an inflation adjusted 4% of starting portfolio value every year regardless of past performance. This rigidity is beneficial in understanding how much someone might need to accumulate before they contemplate retirement, but it is a pretty poor reflection of how someone would actually navigate retirement.

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