Overview
In A Richer Retirement: Supercharging the 4% Rule to Spend More and Enjoy More, entrepreneur, researcher, and financial planner, William P. Bengen, delivers a straightforward, soup-to-nuts guide for maximizing your withdrawals from your investment accounts during your retirement. The author explains how you can draw heavily on your retirement accounts without spending yourself into premature poverty. This book is a comprehensive roadmap to constructing your personal retirement withdrawal plan. You'll learn how to compute a low-risk maximum withdrawal rate so that you can enjoy your retirement savings to the utmost. You'll also discover guidance on why and how to adjust your withdrawals during retirement to help make sure that your accounts last your entire life. You'll also find: ● The eight elements of a comprehensive personal retirement withdrawal plan ● Techniques for selecting your withdrawal rate based on the eight elements, inflation, and stock market valuation ● A template for your withdrawal plan that will help you recognize if you're overspending (or underspending!) and exactly how to address that issue
Full Product Details
Author: William P Bengen ,
Paul Heitsch
Publisher: Ascent Audio
Imprint: Ascent Audio
Edition: Unabridged edition
ISBN: 9798228630086
Publication Date: 30 September 2025
Audience:
General/trade
,
General
Format: Audio
Publisher's Status: Active
Availability: In Print
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Reviews
""Bengen delivers a well-researched, rigorous, and readable book that clearly presents the methodology and assumptions required to develop a safe withdrawal rate while providing valuable insights into the risks of withdrawal strategies in retirement. Importantly he shows how to manage the strategy throughout retirement."" -- ""Larry Swecroe, author of eighteen books on investing, including Enrich Your Future""
Author Information
William P. Bengen received a BS from MIT in aeronautics and astronautics and an MS from the College for Financial Planning. He has had four careers: trained as an aerospace engineer, CEO of his family's soft drink bottling business (New York), fee-only financial planning practitioner (California), and currently a financial researcher and aspiring novelist (Arizona). He is a former CFP(R) licensee. In the early 1990s, in response to client questions, Mr. Bengen began research on the sustainability of withdrawals from stock and bond portfolios, which gave rise to the so-called ""4% Rule."" He is frequently quoted in major financial publications, and appears regularly on financial industry podcasts. In 2014 he received NAPFA's Robert J. Underwood Distinguished Service Award and in 2017 the Investment News Innovators Award. In 2023 he was awarded the Inside Information Iconoclast Award. He currently lives in SaddleBrooke, Arizona, where he continues his research into the ""4% Rule."" Paul Heitsch has been narrating audiobooks since 2011, after having worked as a pianist, composer, recording engineer, producer, and sound designer for many years. His work is often cited for the authenticity he brings to the narrative and characters he portrays, as well as his versatility, and clear, smooth delivery. He has been a presenter at several webinars and seminars for the Audiobook Publishing Association and SAG-AFTRA.
