Sustainable Retirement Income—Part Two: Variable Withdrawals

In the last article, we examined the first of two main types of systematic withdrawal strategies for sustainable retirement income: fixed withdrawals. In this article, we look at variable strategies. A variable strategy may be a better fit for some retirees, as financial advisors often suggest you adjust your spending based on your portfolio’s value. … Read more

Social Security Mythology

The 2022 Social Security Fund Trustees’ Report is out, and here’s the latest on Trust Fund solvency: The Old-Age and Survivors Insurance (OASI) Trust Fund, which pays retirement and survivors benefits, will be able to pay scheduled benefits on a timely basis until 2034, one year later than reported last year. The fund’s reserves will … Read more

Space, Time, and Retirees

As retirees, we rarely discuss time unless it’s to inquire about the current hour. When was the last time you were at a dinner party and someone asked you, ”Hey, <insert your name here>, how much time do you think you have left?” Polite people don’t ask such things. However, as we get older, the … Read more

Back to Basics

Many books and articles have been written about Christians and money, and some about retirement. This blog is about Christians and retirement, and I often write about money and stewardship. There’s much to say about these topics, but the Bible tells us what is most essential for us to know—not every practical detail about personal … Read more

Buckets and Ladders

It took me a while to publish this last article (at least I think it’s the last one) in this series on bonds, bond funds, bond ladders, and Treasury Inflation-Protected Securities (TIPS)—whew! As I worked through these topics and TIPS ladders, in particular, the path seemed clear. But then I had some concerns—not about TIPS … Read more