Most people approaching retirement have heard the usual advice: the 4% rule, the 25x rule, or the idea that you’ll only need 70–80% of your working income. 

But are these rules actually helpful or dangerously oversimplified?

In this episode of Retirement Done Right, David Rath and Pat Kalish take a deep dive into the myths and realities of projecting retirement income. They explore where common rules of thumb can lead people astray and offer a more personalized, flexible approach to planning. From “go-go” years to “no-go” years, healthcare costs, and tax strategies, they break down the key factors that influence how much income you’ll truly need.

You’ll also hear how mindset plays a bigger role than many expect and why giving yourself permission to spend confidently in retirement might be the most important move you make. 

Whether you’re five years from retirement or already in it, this episode will help you replace vague rules with actionable strategies tailored to your life.

Plus, Pat brings a chess analogy to the table...and David brings the receipts.

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The information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. It should not be considered a solicitation to buy or an offer to sell a security. It does not take into account any investor's particular investment objectives, strategies, tax status, or investment horizon. You should consult your attorney or tax advisor.

Continuum Wealth Advisors, LLC (“Continuum”) is a registered investment advisor. Advisory services are only offered to clients or prospective clients where Continuum and its representatives are properly licensed or exempt from licensure.