Will my money last, especially if the market crashes right after I retire? Surviving Sequence Risk answers the question that keeps many retirees awake: how to turn a lifetime of savings into reliable paychecks without gambling on perfect timing. If you’re near retirement or already there—living off a portfolio, unsure about the 4 percent rule, and worried about inflation—this book is written for you.
You’ll learn why the order of returns matters more than the average, and how small decisions early in retirement can make the difference between confidence and cutbacks. We’ll unpack what the 4 percent rule really assumed, why critics say it can mislead, and how to use it as a baseline instead of a promise. Then you’ll build flexible spending rules—guardrails, floors and ceilings, and percent-based approaches—plus practical defenses like income floors, cash buffers, and smarter rebalancing.
What makes this book different is its focus on real-world execution. It’s conversational, example-driven, and built around decisions you can make this week: map your spending, stress-test your plan, and write a simple spending policy statement that keeps you steady when markets aren’t.
