{"id":190777,"date":"2025-04-18T11:53:42","date_gmt":"2025-04-18T11:53:42","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/investing\/from-saving-to-spending-how-to-plan-your-retirement-withdrawals\/"},"modified":"2025-04-18T11:53:42","modified_gmt":"2025-04-18T11:53:42","slug":"from-saving-to-spending-how-to-plan-your-retirement-withdrawals","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=190777","title":{"rendered":"From saving to spending: How to plan your retirement withdrawals"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<p>In this <em>Coffee Break<\/em>, we welcome back actuary and retirement expert <a href=\"https:\/\/donezra.com\/\">Don Ezra<\/a> to discuss one of the most important aspects of retirement \u2014 how to confidently transition from saving to spending. Drawing from his own experience, Don shares a practical framework he and his wife use to manage their finances, centered around the concept of a \u201cpersonal funded ratio.\u201d The conversation also explores useful tools such as the <a href=\"https:\/\/www.longevityillustrator.org\/\">Longevity Illustrator<\/a>, how to think about real estate in your retirement plan, and why many retirees tend to underspend out of fear of running out of money.<\/p>\n<p>&#13;<br \/>\n    <iframe loading=\"lazy\" title=\"Can You Afford to Retire? Use This Funded Ratio Strategy\" width=\"840\" height=\"473\" src=\"https:\/\/www.youtube.com\/embed\/Wiv8u3yRTWM?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>&#13;\n  <\/p>\n<\/p><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>In this Coffee Break, we welcome back actuary and retirement expert Don Ezra to discuss one of the most important aspects of retirement \u2014 how to confidently transition from saving to spending. Drawing from his own experience, Don shares a practical framework he and his wife use to manage their finances, centered around the concept [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[96],"tags":[10933,11077,5050,10963,26758],"dealstore":[],"offerexpiration":[],"class_list":["post-190777","post","type-post","status-publish","format-standard","hentry","category-investing","tag-plan","tag-retirement","tag-saving","tag-spending","tag-withdrawals"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>From saving to spending: How to plan your retirement withdrawals - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fivemor.com\/?p=190777\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"From saving to spending: How to plan your retirement withdrawals - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"In this Coffee Break, we welcome back actuary and retirement expert Don Ezra to discuss one of the most important aspects of retirement \u2014 how to confidently transition from saving to spending. Drawing from his own experience, Don shares a practical framework he and his wife use to manage their finances, centered around the concept [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/fivemor.com\/?p=190777\" \/>\n<meta property=\"og:site_name\" content=\"Som2ny Network\" \/>\n<meta property=\"article:published_time\" content=\"2025-04-18T11:53:42+00:00\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/fivemor.com\/?p=190777#article\",\"isPartOf\":{\"@id\":\"https:\/\/fivemor.com\/?p=190777\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\/\/fivemor.com\/#\/schema\/person\/b85e3c3dc0e1daea076524dc8810c371\"},\"headline\":\"From saving to spending: How to plan your retirement withdrawals\",\"datePublished\":\"2025-04-18T11:53:42+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/fivemor.com\/?p=190777\"},\"wordCount\":118,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/fivemor.com\/#organization\"},\"keywords\":[\"plan\",\"Retirement\",\"Saving\",\"Spending\",\"Withdrawals\"],\"articleSection\":[\"Investing\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/fivemor.com\/?p=190777#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/fivemor.com\/?p=190777\",\"url\":\"https:\/\/fivemor.com\/?p=190777\",\"name\":\"From saving to spending: How to plan your retirement withdrawals - 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