- Keys to retirement planning: save more, spend less, diversify investments.
- Withdraw no more than 4 percent from retirement savings in the first year.
- Use one of the three spend-down strategies below to create lifelong income.
En español | Last year, my husband and I ran a "how are we doing" test. If we quit working, how much could we reasonably take from our savings each month, consistent with our personal and family goals?
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