How Much Can You Safely Spend in Retirement? (Without Running Out of Money)

Is having a million dollars saved enough to retire comfortably? For many people, the real question isn’t how much you have, it’s how much you can safely spend each month without running out of money.

In this video, Andrew Rafal, founder of Bayntree Wealth Advisors, explains why retirement success depends far more on your spending plan than your portfolio balance and why focusing on the wrong number can create unnecessary stress or costly mistakes.

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What you’ll learn in this video:

✔️ Why your portfolio balance doesn’t determine retirement success

✔️ The real question retirees should be asking about monthly spending

✔️ Why “rules of thumb” like the "4% rule" often fall short

✔️ How taxes, market timing, and withdrawal strategy affect income

✔️ Why two retirees with the same savings can have very different outcomes

✔️ What real retirement clarity actually looks like

If you’re approaching retirement and wondering how to turn savings into a reliable income, this video will help you think about retirement the right way.