Don’t Believe the Retirement Defeatists
Vanguard’s report brings additional hope.
A couple of years back, I wrote several columns on in-retirement issues. It wasn’t a subject that I had previously considered, but time marches onward, and the topic was beginning to feel relevant.
Upon looking through the conventional wisdom, my immediate reaction was that it was too gloomy. The numbers that people carried around in the television commercials (remember them?) were overstated. Those figures assumed unrealistically high spending needs and unrealistically low withdrawal rates. To be sure, Americans were--and are--saving less than they should, but the gap between actual and best practices is less than advertised.
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