11/19/2025
About This Episode
We also discussed retirement withdrawals. Paul recommends a flexible approach: take a bit less after down years and a bit more when markets are strong. This can reduce stress and help your portfolio last. “If you know how long you’re likely to live and how much you have,” he says, “that knowledge gives you freedom—not fear.”
If you’re approaching retirement, here’s Paul’s short list:
-
Diversify with low-cost index funds. Focus on the right mix, not the perfect pick.
-
Match risk to reality. Choose a stock/bond split you can live with in bad markets.
-
Use flexible withdrawals. Adjust spending based on market conditions.
-
Keep behavior boring. Automate rebalancing and ignore predictions.
-
Invest in education. Knowledge keeps emotions from running the show.
You’ve worked hard to build your savings. Now build a plan that works just as hard—quietly, efficiently, and with confidence. Watch the full conversation on YouTube for more on fees, behavior, portfolio design, and practical withdrawal strategies.
/supercharge-your-retirement-with-paul-merriman