Relying on the old 4% rule could quietly drain a retirement faster than expected. In this episode, Annetta Carter breaks down why fixed withdrawal strategies can struggle during market downturns, high inflation, and long retirements. The discussion explores smarter income planning, the risks of selling assets in down markets, and why pairing market strategies with predictable income streams matters. Annetta also explains why retirement planning works best as preventative care—addressing inflation, emergencies, and lifestyle goals early—rather than scrambling to fix problems once they appear.

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