Early withdrawals can shrink your 401(k) savings. See how to calculate the IRS 10% penalty, and learn about exceptions, SECURE 2.0 updates, and penalty‑free alternatives.

Many experts consider the 4% rule for retirement account withdrawals to be outdated. Let's discuss the new recommendation and ...

If you’re approaching or already in retirement, knowing your safe withdrawal rate is key to making your money last. This is the percentage you can take out of your retirement savings each year without ...

Planning for a sustainable income from retirement investments can be complex. I've identified 10 primary variables, or "linchpins," which must be considered to develop a complete withdrawal plan. Of ...

If you have more than one retirement account, you'll need a smart withdrawal strategy. Some people will spend decades saving and investing for retirement, only to discover that they missed a step ...

The 4% Rule is arguably the most famous strategy for making sure your retirement income lasts long. Developed in the 1990s, it offers an evidence-based answer to most retirees’ question: “How much can ...

Here’s What Your Retirement Spending Rate Should Be in 2026 New research shows that flexible withdrawal strategies can help you spend more in retirement. Christine Benz and Margaret Giles Dec 5, 2025 ...

Considering withdrawing from your retirement account to pay debt? Learn how this common mistake can impact your future and ...

Forbes contributors publish independent expert analyses and insights. True Tamplin is on a mission to bring financial literacy into schools. Saving enough money is half the battle for a comfortable ...

The 4% rule assumes a 30-year retirement horizon with a balanced stock-bond portfolio. Ramsey’s 8% rule requires a stock-heavy portfolio to generate sufficient returns. Both strategies demand ...

Decumulation is the period in which you spend the money you've worked so hard to accumulate. If you're still working and tucking money into a retirement plan, you're in the "accumulation" phase. Once ...