Retirement Cash Flow Resilience

Executive summary

Retirement spending isn't linear. Resilient cash flow accounts for the 'go-go, slow-go, no-go' phases plus health-cost spikes.

• Go-go (65–75): higher discretionary spend
• Slow-go (75–85): lower spend, higher health cost
• No-go (85+): higher LTC

Key takeaways

• Go-go (65–75): higher discretionary spend
• Slow-go (75–85): lower spend, higher health cost
• No-go (85+): higher LTC
• Plan for spikes, not averages

Key strategies

1. Strategy 1

   Go-go (65–75): higher discretionary spend

2. Strategy 2

   Slow-go (75–85): lower spend, higher health cost

3. Strategy 3

   No-go (85+): higher LTC

4. Strategy 4

   Plan for spikes, not averages

Pro-tips checklist

• Front-load lifestyle in the go-go years
• Reserve for the no-go phase early

FAQ