James (Host - Lighthouse Financial Advisor)

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2,966 appearances 15 recordings 1 series first heard Jul 2026 last heard 20 Aug

James (Host - Lighthouse Financial Advisor)’s voice in public audio — every appearance, attributed to the second.

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recordings per month · last 12 months

Recordings per month over the last 12 months — 15 in all, peaking in Aug 2026 with 9.

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Cheques and Balances · How to Avoid Going Broke in Retirement | Episode 523 · 13 Aug 2026 podcast

professions. voice-verified

I'm talking like couples that are teachers and firefighters that have just like been doing the thing for such a long period. voice-verified

Well, you gotta start spending the money, Michael. voice-verified

Um, the question becomes at what rate do you spend the money? voice-verified

And uh how do you know that you're not gonna spend it too quickly? voice-verified

Yeah. voice-verified

Uh so essentially what we're talking about here is just something as simple as like your withdrawal rate. voice-verified

Yeah. voice-verified

What does your withdrawal rate look like each year? voice-verified

So let's say you have like two and a half million dollars in a portfolio. voice-verified

Uh, and you know, some people in the comments, I don't have two and a half million dollars. voice-verified

Work harder. voice-verified

No, I'm joking. voice-verified

Uh lit so if it's three percent of your portfolio with No, I've voice-verified

If it's uh three percent, it would be seventy five thousand a year, four percent's a hundred thousand, five percent's a hundred and twenty five thousand. voice-verified

There isn't like one withdrawal rate that works for everybody. voice-verified

It also depends if you're gonna downsize your home, you've got investment properties, how you're thinking about your retirement. voice-verified

But having an idea of what your withdrawal rate is is a good starting point. voice-verified

shows that uh in retirement your cause we inflation adjusts all of our return all of our uh spending in retirement but the data actually says that people's spending in retirement drops by inflation so like two to three percent a year and you're right like there's no guarantees how long you're gonna live for um right especially with your lifestyle uh voice-verified

Uh but like say if you retire at sixty five, sixty five to seventy five is like the primo period where you wanna get out and go and do the the fun stuff. voice-verified

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