Retirement is about more than just building up savings—it’s also about figuring out how to spend those savings in a way that lasts. One common approach is to use a fixed or “safe” withdrawal strategy, like the “4% rule,” where you spend a set percentage of your portfolio each year. But life doesn’t move in a straight line, and neither does the market. That’s why it’s important to regularly revisit your financial plan to determine whether adjustments to your spending might be needed.
