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| | Even if you have a nice retirement kitty, if you pull out too much money early, you run the risk of depleting your funds if you don't account for big costs later. For that reason, American College's Pfau says that inflation-adjusted withdrawals, starting in the first year of retirement, will keep a portfolio on an even keel. Although costs could decline over time, they may not, as rising health care expenses replace declining outlays on discretionary activities. "You can't assume that spending will decrease with age, so using constant inflation-adjusted spending is the best for most people," he says.
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