8 Tips to Stop Worrying About Running Out of Money in Retirement

Sheryl Rowling from Morningstar argues that the greatest danger in retirement isn't the stock market — it's the constant fear of running out of money. We will walk through her eight "anchors" from the article posted on Morningstar. Anchor 1: Confirm Your Sustainable Spending Level Anchor 2: Embrace Flexibility in Down Markets Anchor 3: Recognize That Spending Often Declines With Age Anchor 4: Create a Recession Buffer Anchor 5: Reduce Future Tax Uncertainty Anchor 6: Maximize Guaranteed Income Anchor 7: Protect Against Long-Term Care Costs Anchor 8: View Home Equity as a Backstop For our listener question: I've said before that accumulation is the easy part - and distribution is harder. But Kevin wrote in to say " wait a second… don't prices move around when you're buying or selling? So what's the real difference? " We're going to unpack why dollar-cost averaging on the way in is not the same thing as sequence risk on the way out — and why that distinction matters once you're living off the portfolio. And to wrap up the show, we'll hear from Bernie about how he is blending service & fun for an even better retirement. Resource: Article by Sheryl Rowling in Morningstar: 8 Tips to Stop Worrying About Running Out of Money in Retirement Connect with Benjamin Brandt:

You can listen to 8 Tips to Stop Worrying About Running Out of Money in Retirement online on Radio and Podcast. Open the player on this page to stream the available audio.

8 Tips to Stop Worrying About Running Out of Money in Retirement is an episode from Retirement Starts Today Radio by Benjamin Brandt CFP®, RICP®.

This episode is 22:41 long.

This episode was published on Feb 23, 2026.

Yes. Use the heart button on the episode page to add it to your favorite episodes list.

Yes. This page shows related episodes from Retirement Starts Today Radio when more episodes are available from the podcast feed.