Hi Jan,
Episode 213 of our Retire With Style podcast is out now!
One of the biggest challenges in retirement planning isn’t saving, it’s knowing when you’ve saved enough and how much you can confidently spend. In this week’s episode of Retire With Style, Alex and I focus on removing that uncertainty.
The conversation introduces the Four L’s of retirement: longevity, lifestyle, legacy, and liquidity, as a way to clarify what retirement success actually means. We talk through how essential expenses differ from discretionary spending, how legacy goals fit into the picture, and why having liquidity matters more than many people expect once they’ve stopped working.
We also dive into the funded ratio, which compares your assets to your future liabilities. This framework provides a more personalized way to assess retirement readiness and helps explain why a 4.5% withdrawal rate can be reasonable when paired with variable spending strategies. Rather than relying on broad rules of thumb, the funded ratio approach allows spending decisions to be grounded in your specific situation.
If you’ve ever wondered whether you’re truly on track or how to spend with more confidence this episode is designed to help you think about those questions more clearly. Listen now to learn more!
| | | | The Retire With Style Podcast Has a New Home! | | | | We’re excited to share that all podcast episodes- past and present- are now available on our new site: RetireWithStyle.com. It’s your one-stop shop for catching up on episodes, watching video versions, and even submitting your own retirement questions for future shows.
You can also watch and subscribe to new video episodes on our YouTube channel, with fresh content every Wednesday.
Prefer to listen on your favorite podcast app? We’ve got you covered. You can still find Retire With Style on Apple Podcasts, Spotify, Podbean, Amazon Music, Audible, iHeart, TuneIn, and now YouTube Music.
| | | | Take a look around the new site and let us know what you think. Feel free to share with friends, and to reply here with any comments.
Thank you,
Wade Pfau, PhD, CFA, RICP
Founder of Retirement Researcher
P.S. Not interested in hearing about the podcast? Click here to opt out of podcast-related content.
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