Retirement

401(k), IRA, FIRE planning, Social Security, withdrawal strategies.

Library

17 articles in Retirement

Retirement

Annuities in Retirement

When converting savings to guaranteed income makes sense — and when it doesn't.

5 min read 1,089 words
Retirement

Early Withdrawal Strategies

Bridging the gap between FIRE and traditional retirement age.

6 min read 1,235 words
Retirement

Health Savings Account (HSA)

Triple tax-advantaged. The most underrated retirement vehicle in the U.S. tax code.

5 min read 1,122 words
Retirement

Pensions (Defined Benefit Plans)

Employer-promised income for life. Rare in the private sector now, common in government.

5 min read 1,184 words
Retirement

Required Minimum Distributions (RMDs)

The IRS's mandatory withdrawal schedule for tax-deferred retirement accounts.

6 min read 1,234 words
Retirement

Roth IRA

After-tax in, tax-free forever — possibly the most powerful retirement vehicle in the U.S. tax code.

10 min read 2,243 words
Retirement

SEP IRA

Simplified Employee Pension — for self-employed and small business owners.

6 min read 1,237 words
Retirement

SIMPLE IRA

Savings Incentive Match Plan for small employers (100 or fewer).

5 min read 1,034 words
Retirement

Sequence-of-Returns Risk

Why a bear market early in retirement is catastrophically worse than later.

6 min read 1,274 words
Retirement

Social Security

How U.S. retirement benefits are calculated, when to claim, and spousal strategies.

5 min read 1,200 words
Retirement

Solo 401(k)

The high-contribution retirement plan for self-employed individuals with no employees.

6 min read 1,368 words
Retirement

The 4% Rule

Bengen's safe withdrawal rate — what it actually says, and where it breaks.

6 min read 1,252 words
Retirement

The Bucket Strategy

Segmenting retirement assets by time horizon to manage sequence-of-returns risk.

5 min read 1,145 words
Retirement

The FIRE Movement

Financial Independence, Retire Early — and the math behind it.

5 min read 1,086 words
Retirement

The Rule of 25

25× annual expenses — the FIRE community's target portfolio.

5 min read 1,045 words
Retirement

Traditional IRA

Tax-deductible contributions today, taxed withdrawals in retirement.

6 min read 1,328 words