Doug and co-host Kristen Knapp chat with Fritz Gilbert (The Retirement Manifesto) at the EconoMe Conference about various drawdown strategies and spending in early retirement. Fritz describes how he personally implements a “bucket strategy” approach to withdrawing money by setting up a monthly “paycheck”, how decumulation differs from accumulation, and explains sequence-of-returns, inflation, & longevity risks. The group also discusses annual financial reviews, dynamic spending guardrails, viability of DIY investors, and intentional living.

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Links

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0:00 Introduction

5:15 Why drawdown needs a plan

8:43 The Bucket Strategy

14:52 Balancing risks & retirement readiness

20:11 The 4% Rule vs. buckets

25:43 Creating a retirement paycheck

31:04 Dynamic spending & guardrails

36:17 Potentially increased spending

41:38 DIY vs. working with an advisor

48:27 Bond ladders

53:11 Tax location matters