Will the Money Run Out? Making Your Retirement Investments Last

Of all the anxieties that come with retirement, one sits at the top of the list for most men: running out of money. It’s not an irrational fear. People are living longer, inflation is real, and the market doesn’t care what stage of life you’re in when it decides to drop. In this episode, we dig into the question head-on — how long will your retirement investments actually last, and what can you do to improve the odds? We walk through the key factors that affect your portfolio’s staying power: lifestyle spending, inflation, sequence-of-returns risk, and the withdrawal strategy you choose. We cover the 4% rule, the bucket strategy, and when annuities might make sense. No one can promise you a number, but the men who understand this terrain make better decisions — and that’s what this episode is about.

Insight Map

Outliving your money is one of retirement’s biggest risks — and one of the most preventable. Here’s a clear look at the factors that determine how long your investments will last, the withdrawal strategies that can extend their life, and the mistakes that cut it short.

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The Encore Project Editorial Team

The Encore Project Editorial Team develops research-based articles and practical guidance designed to support senior men navigating life’s second half. Content is created using advanced research tools and AI assistance under the direction and editorial oversight of founder Bill Leighty. Every article is carefully curated to ensure it is relevant, thoughtful, and aligned with The Encore Project’s mission: helping men remain purposeful, engaged, and resourceful in retirement and beyond. The Editorial Team focuses on topics including financial empowerment, creative pursuits, grief and loss, health and wellness, faith, relationships, and lifelong growth.

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