Some early retirees with $4 million portfolios live on a shoestring because they’re afraid of spending too much. Others with the same savings travel, upgrade their homes, and give generously to family and charity without losing sleep.

The gap rarely comes down to how much they saved. For an early retiree, the difference is usually the withdrawal strategy. Many still run their entire retirement on a rule of thumb from the 1990s, and it can lead to spending in fear or working longer than necessary.

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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