The Ultimate Guide to Early Retirement Drawdown (2026)

The Ultimate Guide to Early Retirement Drawdown (2026)

Building a $2.5 million portfolio is hard. Spending it without running out? That's even harder. Welcome to the 700th episode of the BiggerPockets Money Podcast! To mark this milestone, hosts Mindy Jensen and Scott Trench are tackling one of the most critical—and most overlooked—aspects of financial independence: decumulation. Most people obsess over building wealth but stumble when it's time to actually spend it. The withdrawal strategy you choose can mean the difference between a comfortable 40-year retirement and running out of money at the worst possible time. In this episode, we cover: Sequential vs. blended vs. cyclical withdrawal strategies—which is right for you? How to create a tax-efficient drawdown plan that could save you hundreds of thousands The role of Roth accounts, traditional IRAs, and taxable brokerage accounts in your withdrawal strategy When to do Roth conversions and how to time them for maximum benefit Healthcare planning in early retirement and how it affects your withdrawal strategy Estate planning considerations and maximizing what you leave behind Real-world scenarios: what withdrawal strategies look like in practice The biggest mistakes retirees make in the decumulation phase Whether you're just starting your FI journey or you're ready to retire next year, this comprehensive guide will help you spend your money strategically, minimize taxes, and make your nest egg last. Learn more about your ad choices. Visit megaphone.fm/adchoices

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Is My Spending Reasonable? This Data Set Will Tell You

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Why $500K Is More Important Than $1 Million (Coast FIRE)

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7 Heinä 1h 2min

The Best Early Retirement Withdrawal Strategy (6 Proven Frameworks)

The Best Early Retirement Withdrawal Strategy (6 Proven Frameworks)

Reaching financial independence is only half the battle, knowing how to withdraw your money in early retirement is just as important. The right withdrawal strategy can help you minimize taxes, avoid u...

3 Heinä 42min

Has the FIRE Number Gone from $1M to $2.5M?

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26 Kesä 25min

The Ultimate Guide to Healthcare Costs for FIRE

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23 Kesä 40min

Mortgage Rates Jumping from 4% to 8%: What Should This Investor Do?

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How do you build nearly $1 million in net worth while working seasonally, living intentionally, and creating a lifestyle you actually enjoy? In this episode, Heather shares her remarkable journey from...

19 Kesä 59min

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