Topic
The bucket strategy splits retirement savings into short-, medium- and long-term pools so near-term spending is not tied to stock-market swings. This explainer covers how the buckets are built, how they get refilled, how the approach compares with a simple total-return plan, and where its trade-offs lie.
Many people never stop working all at once. They cut hours, switch to consulting or take a part-time job while drawing down savings. This guide explains how earned income changes withdrawals, Social Security, health coverage, taxes and contributions, and what to model before easing out of full-time work.
Retirees with taxable, tax-deferred and Roth accounts must decide which to draw from first. The conventional order is simple, but taxes, required minimum distributions and Medicare premiums can make a blended approach work better. This guide explains the trade-offs and the questions that shape the answer.
