Breaking Down the Retirement Equation (Ep 38)
Welcome to another insightful episode of Life Isn’t Lived on a Spreadsheet! This week, host
Alec Quaid, Certified Financial Planner ™ dives deep into the essential components of retirement
income planning. Retirement is about more than just financial projections—it’s about living your
best life with confidence and clarity.
Join us as we unravel the complexities of the Retirement Equation, a framework designed to
help you plan for a financially secure future. Alec breaks down critical variables like spending
rates, inflation, and tax planning, offering actionable advice to create a personalized retirement
strategy that works for you.
What You’ll Learn in This Episode:
● Spending in Retirement: How to estimate your future lifestyle costs and adjust for
changes like hobbies, travel, or health care.
● Inflation Impact: Why a 2.5% inflation assumption is conservative yet practical for long-
term planning.
● Tax Strategies: The importance of minimizing your lifetime tax bill through Roth
conversions and other innovative techniques.
● Income Stability Ratio: Discover why a 70–75% stable income target is key to a worry-
free retirement.
● Asset Withdrawal Order: Insights on spending down assets efficiently to maximize
growth and minimize taxes.
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