The 3 Types of Retirees Who Run Out of Money | Avoid These Mistakes

Описание: Book a FREE call with me here: https://www.soincomes.com/appointments

One of the biggest fears in retirement is running out of money. And while not every retiree faces that outcome, certain patterns dramatically increase the risk.

In this video, I break down the three types of retirees who are most likely to run out of money — even if they start with $500,000, $1 million, or even $5 million.

We’ll cover:

• Why withdrawing 7–8% per year can quietly drain a portfolio
• How overspending in early retirement accelerates depletion
• The hidden risk of being too conservative and losing to inflation
• Why holding too much cash or CDs can erode purchasing power
• How Required Minimum Distributions (RMDs) can spike taxable income
• How Social Security taxation and IRMAA Medicare surcharges affect retirement income
• Why tax-deferred accounts can create future tax problems
• The emotional cost of fear-based spending decisions
• Why rules of thumb like the 4% rule aren’t enough without stress testing

Retirement income planning isn’t just about how much you’ve saved — it’s about how you withdraw, how you invest, and how you manage taxes over time.

I also explain practical strategies like spending guardrails, bucket strategies, tax diversification, Roth conversions, and structured income planning that can help reduce the risk of running out of money.

If you want to stress-test your retirement plan and make sure you’re not unknowingly falling into one of these traps, schedule a conversation using the link above.












#retirementplanning #retirementincome #runningoutofmoney #retirementmistakes #401kwithdrawals #iraplanning #rmdrules #socialsecuritytax #irmarules #taxplanning #retirementstrategy #inflationrisk #bucketstrategy #withdrawalstrategy #financialplanning #retirementsecurity #pretirement #retirementreadiness #wealthmanagement #longtermplanning