June 9, 2026 · 5 min read
Can you really spend your Confidence Spend™ every year?
Your Confidence Spend number tells you the most you can safely spend each year. Here are the four conditions that make it real, including the cash and bond reserve your number is already built on.
June 4, 2026 · 4 min read
What is a withdrawal strategy, and why is it worth real money?
A withdrawal strategy is the plan for how much you pull from your portfolio each year and which account you tap. Get the order and timing right and it can be worth hundreds of thousands over a retirement.
May 28, 2026 · 6 min read
The retirement number you can act on
The old Confidence Spend told you the most you could spend in retirement, but it was built on a smooth projection markets never deliver. Here's how it was rebuilt on a conservative floor, plus a second number you can act on: Money Lasts.
May 20, 2026 · 2 min read
The withdrawal-order mistake that costs early retirees $10K–$20K a year
Retire before 65 and the order you tap your accounts decides your ACA subsidy. Here's why drawing from the wrong account first quietly costs five figures a year.
May 14, 2026 · 3 min read
How much tax will you actually pay in retirement?
Most people overestimate their retirement tax bill by two to three times, confusing the marginal bracket with the effective rate. Here's what a couple actually pays, by account mix and state.