One of the biggest questions retirees face isn’t whether they have enough money saved—it’s how much they can confidently spend without running out of money. For many people, the traditional 4% rule seems like the obvious answer. But retirement today is more complex, especially for those retiring early with substantial savings.

Consider a couple approaching retirement at age 59 with more than $3.4 million invested. Their goal was simple: determine whether they could safely spend $15,000 per month throughout retirement. The answer required looking beyond simple rules of thumb and evaluating their complete financial picture.

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This does not constitute an investment recommendation. Investing involves risk. Past performance is no guarantee of future results. Consult your financial advisor for what is appropriate for you. Disclosures: https://onedegreeadvisors.com/solutions/#disclosures