Treichel in Kiplinger: 4%, 5%, 6%: How Much Spending Is Right for Your Retirement?

Originally published in Kiplinger on October 26, 2026.

Your spending withdrawal rate will likely change throughout your retirement, making the 4% rule less useful. Bonnie Treichel, founder of Endeavor Retirement, says that since your spending patterns change in different stages of retirement — go-go, slow-go and no-go — how much you withdraw will change, as well.