Recently I was mentioned in Financial-Planning.com and Yahoo Finance. More Recent research coming out of J.P. Morgan reinforces something I see consistently in real-world retirement planning: rigid withdrawal rules don’t reflect how people actually live, spend, and adapt over time. Retirement spending is rarely linear. Early retirement, later-life healthcare needs, market conditions, and longevity all introduce variability that static rules simply don’t account for. When you’re dealing with cros