The Decumulation Playbook

You did the saving part. Now comes the harder question: how do you turn a lifetime of careful investing into a steady paycheck without constantly worrying you'll run out? The Decumulation Playbook is for near- and new-retirees who have built a nest egg but feel unsure about spending it down. If you want confidence, clarity, and a plan you can actually follow, this book is for you.

You'll learn how to map your household balance sheet, build a spending plan that fits real life (including those "lumpy" expenses), and protect yourself from the big three retirement threats: longevity, inflation, and bad market timing early on. You'll explore bucket strategies, guardrails that adjust spending without panic, and how Social Security, pensions, and annuities can form an "income floor" under your essentials. Then you'll get a practical framework for which accounts to tap first-and when Roth conversions or charitable moves can quietly save you thousands.

What makes this book different is its "system" approach: plain-English explanations, real-world examples, and step-by-step rules you can run each month and review each year. It's less about perfect math and more about building a retirement paycheck you can rely on-even when life gets messy.