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Retirement Has Three Spending Phases. Most Budgets Only Cover the First One.
FG
FOMOGRAM Editorial Desk
Aug 8, 2026
EXECUTIVE SUMMARY
Most retirement plans assume spending stays roughly flat for decades, but retirees actually move through three financially distinct phases that can wreck a budget built around a single withdrawal rate.
Most retirement plans assume spending stays roughly flat for decades, but retirees actually move through three financially distinct phases that can wreck a budget built around a single withdrawal rate.
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