After you retire, you need to decide how much you can spend each year, which investments to take the money from, and when to rebalance your investments. Collectively, this is called your “withdrawal plan”.

How should you split your retirement investments between stock and bonds? How do you make this decision? Your chosen split is called your Asset Allocation, and you’ll often see it written as two numbers; for example, 60% stock and 40% bonds is written as “60/40”. Let’s dig into it.

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Learning to budget and invest put us on a path to retire early, but our choice to keep the same budget for eight years (adding all of our raises to saving) enabled us to retire really early. In this post, I’m going to explain how we accomplished that.

Once you retire, which accounts should you take your retirement spending from first? If you retire before age 59.5, how do you get IRA money out at all? Are there any retirement tax surprises to watch out for?

You’re ready to start saving for retirement, but there are several different accounts you could use. Brokerage accounts, IRAs, Roth IRAs, 401(k)s. Where should your retirement savings go, and why?

In “How Much You Need To Retire”, you learned that you need to save about 25 times your retirement spending to retire. When I first heard that number, I thought saving that much would take forever. Fortunately, there are two giant tailwinds to help: compounding returns and decreasing spending.

So, you’ve decided to start saving for retirement. How much money will you need to save up?

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You’ve made a budget, done some initial saving, and now you finally have some savings to invest for retirement. What should you invest in, and how do you go about that?