Creating a Dynamic Withdrawal Strategy (opens in new tab)

At 43, Matt is ready to retire — but now comes the hard part: how to safely spend what he’s saved. With a $2.5 million portfolio and decades of retirement ahead, he asks the question every early retiree eventually faces: “How do I create a withdrawal strategy that’s flexible enough to handle market swings, taxes, and long-term security?” Fritz Gilbert — founder of The Retirement Manifesto — answers with clarity, compassion, and hard-earned wisdom. From monthly vs. quarterly withdrawals to bo...