{"id":129042,"date":"2025-03-12T19:30:14","date_gmt":"2025-03-12T19:30:14","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/finance\/should-i-reset-retirement-withdrawals-in-bad-markets\/"},"modified":"2025-03-12T19:30:14","modified_gmt":"2025-03-12T19:30:14","slug":"should-i-reset-retirement-withdrawals-in-bad-markets","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=129042","title":{"rendered":"Should I &#8220;Reset&#8221; Retirement Withdrawals in Bad Markets?"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group__inner-container\">\n<p><em>Before the article, here\u2019s what\u2019s happening this week on our podcast, <\/em><strong><em>Personal Finance for Long-Term Investors<\/em><\/strong><em>:<\/em><\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<\/div>\n<\/div>\n<blockquote class=\"wp-block-quote\">\n<p><em>Jesse \u2013 I\u2019m confused about how <a href=\"https:\/\/bestinterest.blog\/the-4-percent-rule\/\">\u201cthe 4% rule\u201d<\/a> and other \u201csafe withdrawal rates\u201d can change so rapidly in such a short period of time.\u00a0<\/em><\/p>\n<p><em>If someone had retired in the middle of 2022 (a bear market), their \u201csafe\u201d withdrawal amount might be artificially low. Whereas if they had retired a mere ~6 months earlier, their safe withdrawal amount would be much higher. And this SWR is supposed to apply <strong>for life<\/strong>!\u00a0<\/em><\/p>\n<p><em><strong>How can a 6-month difference in retirement date affect someone\u2019s spending by ~20% for the next 30+ years! <\/strong><\/em><\/p>\n<p><em>I\u2019m worried and frustrated that bad luck and bad timing might cause me to have an artificially low withdrawal rate throughout my entire retirement.\u00a0<\/em><\/p>\n<p><cite><em>\u201cRed\u201d from Green Bay<\/em><\/cite><\/p><\/blockquote>\n<p>First things first, great name\/city combination, Red. <\/p>\n<p>This is a really interesting question, and the place to start is by adding some\u2026color.\u00a0<\/p>\n<p>Let\u2019s apply a real scenario to Red\u2019s question. We\u2019ll look at a family who retired in July 2021. We\u2019ll make some very simplified assumptions:\u00a0<\/p>\n<ul>\n<li>They retired with $3M.\u00a0<\/li>\n<li>They followed the 4% Rule precisely. Their initial withdrawal rate was $10,000 monthly, and they adjusted for inflation yearly.\u00a0<\/li>\n<li>They\u2019re on the young side of retirees and the FIRE movement loves stock investing anyway, so their portfolio is a little aggressive:\u00a0 80% stocks, 20% bonds.\u00a0<\/li>\n<\/ul>\n<figure class=\"wp-block-embed is-type-rich is-provider-spotify wp-block-embed-spotify wp-embed-aspect-21-9 wp-has-aspect-ratio\">\n<p>\n<iframe title=\"Spotify Embed: &quot;Is My 100% S&amp;P 500 Portfolio Wrong?&quot; | AMA #1 with Jesse - E81\" style=\"border-radius: 12px\" width=\"100%\" height=\"152\" frameborder=\"0\" allowfullscreen=\"\" allow=\"autoplay; clipboard-write; encrypted-media; fullscreen; picture-in-picture\" loading=\"lazy\" src=\"https:\/\/open.spotify.com\/embed\/episode\/0JVTRYN8HBrgTI4EhVZglk?si=xYCgKmjURb2QTST8SrI27w&amp;utm_source=oembed\"><\/iframe>\n<\/p>\n<\/figure>\n<p>Unfortunately, this family retired right before 2022, which was <a href=\"https:\/\/bestinterest.blog\/2022-is-a-uniquely-bad-investing-year\/\">a bad year for investors of all shapes and sizes<\/a>.\u00a0<\/p>\n<p>Their portfolio remained at its initial $3M starting point for most of 2022, including a minimum value of $2.4M in October 2022. This is where Red\u2019s question comes into focus.\u00a0<\/p>\n<blockquote class=\"wp-block-quote\">\n<p><em>[Shoutout to <strong>Zach Mullally, CFP,<\/strong> for creating these great charts]<\/em><\/p>\n<\/blockquote>\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img fetchpriority=\"high\" decoding=\"async\" width=\"736\" height=\"388\" src=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/03\/image-3.png\" alt=\"\" class=\"wp-image-53420\" style=\"width:799px;height:auto\" srcset=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/03\/image-3.png 736w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/03\/image-3-300x158.png 300w\" sizes=\"(max-width: 736px) 100vw, 736px\"\/><\/figure>\n<\/div>\n<p>If this family had to \u201cre-evaluate\u201d their retirement in October \u201922, they\u2019d come to two negative conclusions:\u00a0<\/p>\n<ul>\n<li>Their $10,000-per-month withdrawals would now account for 5.0% per year ($10,000 per month = $120K per year, divided by  a portfolio of $2.4M is 5%). This withdrawal rate would lead to a much higher failure rate than the 4% rule.\u00a0<\/li>\n<li>Or, to maintain the conservatism of the 4% rule, they ought to reset their monthly withdrawals to $8000 per month. This is a permanent 20% throttling of their retirement lifestyle. Nobody wants that.\u00a0<\/li>\n<\/ul>\n<p>This scenario is Red\u2019s nightmare, and he\u2019s not alone. This same phenomenon occurs during every market downturn, and it is more noticeable the worse the downturn.\u00a0<\/p>\n<p>During the Great Financial Crisis (below), our family would have seen their $3.0M starting portfolio drop to $1.8M, a 40% decline. <\/p>\n<ul>\n<li>$10,000 per month would be a 6.7% withdrawal rate, or\u2026<\/li>\n<li>To reset to the 4% rule, decrease their withdrawals to $6000 per month. <\/li>\n<\/ul>\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"725\" height=\"379\" src=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/03\/image-4.png\" alt=\"\" class=\"wp-image-53421\" style=\"width:713px;height:auto\" srcset=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/03\/image-4.png 725w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/03\/image-4-300x157.png 300w\" sizes=\"auto, (max-width: 725px) 100vw, 725px\"\/><\/figure>\n<\/div>\n<p>The Dot Com bubble? Same thing. A 35% decline after roughly 4 years of retirement. <\/p>\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"742\" height=\"389\" src=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/03\/image-5.png\" alt=\"\" class=\"wp-image-53422\" style=\"width:740px;height:auto\" srcset=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/03\/image-5.png 742w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/03\/image-5-300x157.png 300w\" sizes=\"auto, (max-width: 742px) 100vw, 742px\"\/><\/figure>\n<\/div>\n<p>What are we to do if this happens to us?!\u00a0<\/p>\n<p>Should we \u201creset\u201d our retirement, and if so, how? Do we reduce withdrawal amounts? Pause withdrawals? Or fundamentally change our long-term financial plan? We\u2019ll answer these questions today. <\/p>\n<p>This has long been a confounding question in financial planning circles. Some experts and self-appointed nerds have attempted to create solutions, while others have pointed to simple behavioral answers. Let\u2019s discuss some of those ideas here.\u00a0<\/p>\n<h2 class=\"wp-block-heading\">\u201cBut the 4% Rule Was <em>Designed<\/em> For This!!\u201d<\/h2>\n<p>I can hear some critics now:  <em>\u201cThe 4% rule was designed for success, even when starting out in a bad market! There is no need to reset your withdrawal rate!\u201d<\/em><\/p>\n<p>This is 100% true. Here\u2019s further reading on <a href=\"https:\/\/bestinterest.blog\/updated-trinity-study-simulation\/\">4% rule basics<\/a>. <\/p>\n<p>But Red\u2019s point still stands. <\/p>\n<p>Technically speaking, according to safe withdrawal rate strategies (including the 4% rule), your initial withdrawal amount will set up all future withdrawals for the rest of your life. <\/p>\n<p>And we\u2019ve already established multiple real-life scenarios where a 12-month difference in retirement date could alter that initial withdrawal amount by 20%, or more. <\/p>\n<h2 class=\"wp-block-heading\">Dynamic Withdrawal Strategies<\/h2>\n<p>Instead of starting with a fixed withdrawal percentage and increasing it for inflation, dynamic withdrawal strategies take a more flexible approach. They adjust withdrawals based on portfolio performance, inflation, or spending needs.<\/p>\n<p>The most well-known is the <a href=\"https:\/\/www.kitces.com\/blog\/guyton-klinger-guardrails-retirement-income-rules-risk-based\/\">Guyton-Klinger \u201cGuardrails\u201d <\/a>strategy, which has the following \u201crules\u201d:\u00a0<\/p>\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"475\" src=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/03\/image-6-1024x475.png\" alt=\"\" class=\"wp-image-53423\" style=\"width:713px;height:auto\" srcset=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/03\/image-6-1024x475.png 1024w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/03\/image-6-300x139.png 300w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/03\/image-6-768x357.png 768w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/03\/image-6-1536x713.png 1536w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/03\/image-6.png 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\"\/><figcaption class=\"wp-element-caption\">Credit:  Kitces.com<\/figcaption><\/figure>\n<\/div>\n<ul>\n<li>Start with an initial withdrawal rate (usually around 4.5%)\u00a0<\/li>\n<li>Each year, increase or decrease that year\u2019s withdrawal based on the previous year\u2019s portfolio performance.\n<ul>\n<li>If a portfolio drops and withdrawals surpass 5% per year, then decrease withdrawals by 10% to preserve capital.\u00a0<\/li>\n<li>If a portfolio grows and withdrawals fall below 4%, then increase withdrawals by 10% to allow more spending.\u00a0<\/li>\n<\/ul>\n<\/li>\n<li>If the market is down, skip your inflation adjustment that year (to further preserve capital).<\/li>\n<\/ul>\n<p>These \u201cGuardrails\u201d aren\u2019t perfect, though. For example, a retiree following Guyton\u2019s guardrails starting in 2000 would have spent the last 2 decades severely underspending their capability.\u00a0<\/p>\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter is-resized\"><img decoding=\"async\" src=\"https:\/\/lh7-rt.googleusercontent.com\/docsz\/AD_4nXecf0YgDA0NJZ4RGpuypGBnQGVVmAOn_6nSvVhGhnq56QeSgTMaMpO2wWDrzffqMKq8o-alM8YBL41wczB-QaxnTOUeNhD5LgVjBXcfm6MbftWJ6JyFKaM0xOlHYYRz_LK_fhXF7A?key=IHgLxd-lvHwUaucQRVJFtXiG\" alt=\"\" style=\"width:643px;height:auto\"\/><figcaption class=\"wp-element-caption\">Credit:  Kitces.com<\/figcaption><\/figure>\n<\/div>\n<p>Vanguard has proposed a similar \u201cguardrail\u201d retirement system. Their recommendations are less aggressive than Guyton-Klinger\u2019s: smaller increases during good times and smaller decreases during bad times.\u00a0<\/p>\n<p>However, both \u201cguardrail\u201d systems face the same behavioral challenge: getting retirees to comfortably, happily, and voluntarily throttle their lifestyles during bad markets.\u00a0<\/p>\n<h3 class=\"wp-block-heading\"><strong>\u201cBuckets\u201d<\/strong><\/h3>\n<p>There are a few different \u201c<a href=\"https:\/\/bestinterest.blog\/bucket-your-money\/\">bucket strategies<\/a>\u201d in financial planning. This one helps us circumvent today\u2019s \u201csafe withdrawal rate\u201d stress.\u00a0<\/p>\n<p>The idea is that we conceptually separate our retirement assets into three (or so) buckets, each with a different time horizon:<\/p>\n<ul>\n<li>Our <strong>short-term bucket<\/strong> (cash and bonds) covers 3\u20135 years of expenses.<\/li>\n<li>The <strong>intermediate bucket<\/strong> (bonds, a small amount of stocks) provides income for 5\u201310 years.<\/li>\n<li>And the<strong> long-term bucket<\/strong> (stocks, other growth assets) has the most volatility (and the most long-term growth), and replenishes the other buckets over time.<\/li>\n<\/ul>\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"477\" src=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/03\/image-7-1024x477.png\" alt=\"\" class=\"wp-image-53424\" style=\"width:627px;height:auto\" srcset=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/03\/image-7-1024x477.png 1024w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/03\/image-7-300x140.png 300w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/03\/image-7-768x357.png 768w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/03\/image-7.png 1126w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\"\/><\/figure>\n<\/div>\n<p>While this isn\u2019t the mathematically perfect way to optimize a portfolio, it has fantastic behavioral and mental benefits for the investor.\u00a0<\/p>\n<p>How so?\u00a0<\/p>\n<p>Today\u2019s \u201cproblem\u201d is largely a function of stock performance. When stocks drag our portfolio down, our withdrawal rate can grow to uncomfortable levels.\u00a0<\/p>\n<p>But the bucketing method allows the investor to say <strong><em>\u201cThat\u2019s a Long-Term Bucket problem, and that problem doesn\u2019t matter for 10+ years!\u201d\u00a0<\/em><\/strong><\/p>\n<p><em>Today\u2019s<\/em> withdrawal needs are a percentage of the first bucket. And that first bucket \u2013 in theory \u2013 is highly stable. We aren\u2019t concerned about overdrawing the first bucket. We don\u2019t feel the same need to intentionally hamstring our desired lifestyle. <\/p>\n<p>This can give investors the confidence to <em>not<\/em> tweak or disrupt their financial plan simply because stocks are in a correction or bear market.\u00a0No touching!<\/p>\n<h3 class=\"wp-block-heading\"><strong>The Bogleheads\u2019 Variable Percentage Withdrawal (VPW)<\/strong><\/h3>\n<p>Developed by the Bogleheads group of hardcore DIY ivnestors, the <a href=\"https:\/\/www.bogleheads.org\/wiki\/Variable_percentage_withdrawal\">variable percentage withdrawal (VPW) method<\/a> annually recalculates the withdrawal percentage annualy based on remaining life expectancy and portfolio balance.\u00a0<\/p>\n<p>Unlike the 4% rule, the VPW assumes no automatic inflation increases. Also, because the VPW recalculates every year as a percentage of the portfolio, the portfolio (in theory) will never run out of money.\u00a0<\/p>\n<p>However, that brings about a significant downside:\u00a0 variable withdrawals (<em>in the name, after all!<\/em>). A retiree using the VPW must be comfortable with large swings in annual spending \u2013 possibly 10%, 15%, 20% or greater swings yearly.\u00a0<\/p>\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"955\" height=\"693\" src=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/03\/image-8.png\" alt=\"\" class=\"wp-image-53425\" style=\"width:485px;height:auto\" srcset=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/03\/image-8.png 955w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/03\/image-8-300x218.png 300w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/03\/image-8-768x557.png 768w\" sizes=\"auto, (max-width: 955px) 100vw, 955px\"\/><figcaption class=\"wp-element-caption\">The Bogleheads loooooove them some spreadsheets. <\/figcaption><\/figure>\n<\/div>\n<h2 class=\"wp-block-heading\">The \u201cRising Equity Glide Path\u201d<\/h2>\n<p>Two major financial planning nerds \u2013 Michael Kitces and Wade Pfau \u2013 developed what they call the <a href=\"https:\/\/www.kitces.com\/blog\/should-equity-exposure-decrease-in-retirement-or-is-a-rising-equity-glidepath-actually-better\/\">\u201crising equity glide path.\u201d <\/a>As the name implies, it attempts to smooth out retirement by <strong>increasing<\/strong> stock exposure over time \u2013 a counterintuitive strategy.\u00a0\u00a0<\/p>\n<p>This strategy starts with a lower equity allocation (typically 30\u201340% of a portfolio) at the beginning of retirement. The primary purpose of doing so is reducing <a href=\"https:\/\/bestinterest.blog\/e87\/\">the dangerous sequence of returns risk.<\/a>\u00a0<\/p>\n<p>Then, the portfolio slowly dials UP the stock allocation over time \u2013 roughly by 1-2% per year. This ensures sufficient growth of the portfolio throughout retirement. As the investor ages and their remaining lifespan shrinks, their \u201csequence risk\u201d drops dramatically and they can afford to take on more equity risk.\u00a0<\/p>\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"549\" height=\"246\" src=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/03\/image-9.png\" alt=\"\" class=\"wp-image-53426\" style=\"width:613px;height:auto\" srcset=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/03\/image-9.png 549w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/03\/image-9-300x134.png 300w\" sizes=\"auto, (max-width: 549px) 100vw, 549px\"\/><figcaption class=\"wp-element-caption\">In short: the best outcomes (green) occur if you start retirement will a small stock allocation, and increase it over time. <\/figcaption><\/figure>\n<\/div>\n<p>All else being equal, this strategy does have greater-than-average bond allocations throughout retirement, and thus has a lower expected return. Why? Because Kitces and Pfau are willing to trade \u201cretirement success\u201d for \u201coverall net worth.\u201d I\u2019m inclined to agree with them. It\u2019s the age-old \u201cbet\u201d we\u2019ve discussed here before. Would you rather:\u00a0<\/p>\n<ul>\n<li>Have a <strong>99%<\/strong> chance of a good retirement and dying with $500K<\/li>\n<li>Have a <strong>50%<\/strong> chance of a good retirement and dying with $5M\u2026and the other 50% is that you run out of money!\u00a0<\/li>\n<\/ul>\n<p>That first scenario represents a conservative plan focused on retirement success.\u00a0<\/p>\n<p>The second scenario represents an aggressive plan focused on maximizing growth.\u00a0<\/p>\n<p>Most people prefer the first. And that\u2019s what the rising equity glide path attempts to deliver.\u00a0<\/p>\n<h2 class=\"wp-block-heading\">Back to the Original Question<\/h2>\n<p>Going back to Red\u2019s original question, here\u2019s my main takeaway:\u00a0<\/p>\n<p>Safe withdrawal rates and\/or the 4% rule are just one of many different approaches to retirement planning. <em>NONE<\/em> of the approaches are perfect. They all have flaws, whether a lack of flexibility, a heavy burden on the individual retiree to institute drastic lifestyle changes, or an over-emphasis on caution. There is no magic bullet.\u00a0<\/p>\n<p>But by understanding the different approaches and viewing your retirement through various lenses, I think you\u2019ll hone in on an appropriate approach for you. Something you can implement and stick with for many decades. My recommendation:\u00a0<\/p>\n<ol>\n<li>Develop your <a href=\"https:\/\/bestinterest.blog\/putting-a-dollar-sign-on-financial-planning\/\">financial plan<\/a> \u2013 including your withdrawal strategy \u2013 ahead of time. Don\u2019t determine your exit plan in the middle of the fire. Do it ahead of time!\u00a0Consider tax efficiency, <\/li>\n<li>Back test that strategy. Give yourself historical reasons to believe this strategy will work for you.\u00a0<\/li>\n<li>Specifically, understand how the \u201chardest\u201d times will look for you. Will you have to throttle down your spending? Will you be comfortable withdrawing 8% from a tumbling portfolio? Etc.\u00a0<\/li>\n<li>Execute and revisit. Follow your plan and periodically investigate how your plan is unfolding. While I do not recommend jumping from plan to plan to plan, I also don\u2019t recommend going down with a sinking ship.\u00a0<\/li>\n<\/ol>\n<p>Thank you for reading! If you enjoyed this article, join <a href=\"https:\/\/bestinterest.blog\/subscribe\/\"><strong>8500+ subscribers<\/strong><\/a> who read my 2-minute weekly email, where I send you links to the smartest financial content I find online every week. You can <a href=\"https:\/\/us17.campaign-archive.com\/home\/?u=3fbae214bd0b124c6d543d7cf&amp;id=7dc2dd2c91\"><strong>read past newsletters<\/strong><\/a> before signing up.<\/p>\n<p>On that note, our podcast <em><strong><a href=\"https:\/\/bestinterest.blog\/personal-finance-for-long-term-investors\/\">\u201cPersonal Finance for Long-Term Investors\u201d<\/a><\/strong><\/em> is by far outpacing this written blog. <strong><a href=\"https:\/\/podcasts.apple.com\/us\/podcast\/the-best-interest-personal-finance-for-long-term-investors\/id1553180943\">Tune in and check it out.<\/a>   <\/strong><\/p>\n<p>-Jesse<\/p>\n<p><em>Want to learn more about <strong>The Best Interest\u2019s<\/strong> back story?<\/em> <a href=\"https:\/\/bestinterest.blog\/about\/\">Read here<\/a>. <\/p>\n<p>Was this post worth sharing? Click the buttons below to share!<\/p>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Before the article, here\u2019s what\u2019s happening this week on our podcast, Personal Finance for Long-Term Investors: Jesse \u2013 I\u2019m confused about how \u201cthe 4% rule\u201d and other \u201csafe withdrawal rates\u201d can change so rapidly in such a short period of time.\u00a0 If someone had retired in the middle of 2022 (a bear market), their \u201csafe\u201d [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":129043,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[93],"tags":[4643,11715,11508,11077,26758],"dealstore":[],"offerexpiration":[],"class_list":["post-129042","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-bad","tag-markets","tag-reset","tag-retirement","tag-withdrawals"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Should I &quot;Reset&quot; Retirement Withdrawals in Bad Markets? 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