
Stop Optimizing Your Retirement to Death: Why a Well-Built Plan Beats Perfect Planning
arah stared at her laptop screen for the third hour that morning, tweaking her retirement calculator for what felt like the hundredth time this month. "If I delay retirement by just six more months," she thought, "I could increase my safe withdrawal rate by 0.2%." Three years later, she's still making the same calculation while her dream of traveling with her husband grows more distant each day.