Critics of Time Segmentation and bucketing have questioned whether there is any there, there. A big part of this relates to how Time Segmentation methods decide when to re-fill the short-term spending buckets. In today's episode, Wade and Alex discuss three proposed re-fill methods and describe how one may make things worse, how one is more in the middle, and how one can potentially improve financial outcomes. But for the one that can make things better, an important caveat is that it does so through a dynamic and aggressive overall asset allocation strategy. Listen now to find out if you have what it takes to make Time Segmentation work for your retirement. 

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