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Richard Dias and his wife in retirement: travel, golf, biking, cooking, and a new grandchild, the life steady income streams are meant to fund

The 4% Rule Was Never a Plan. Here Is What to Build Instead.

The 4% rule keeps changing its own number. Here is why it was never a plan, and how to build retirement income that keeps arriving.

By Richard Dias 10 Aug 2026
The 100-Year Problem: Will Your Money Outlast You?

The 100-Year Problem: Will Your Money Outlast You?

The scary part of retirement is not dying too soon. It is outliving your savings. Here is how I built income that does not stop at 90.

By Richard Dias 27 Jul 2026
One Retirement Income Stream Is a Risk. Build Your Second.

One Retirement Income Stream Is a Risk. Build Your Second.

When I retired at 55 in 2022, the scariest number was not my account balance. It was the fact that almost everything I now have to live off of comes from one place. If you are within a few years of retirement, you probably feel it too. You spent thirty

By Richard Dias 20 Jul 2026
Collage of happy retirees enjoying an active, well-funded retirement: traveling, dining, golfing, kayaking, gardening, cycling, cooking, relaxing by the fire, and beach walks.

The Retirement Income Myth: One Source Is Enough

One income source in retirement is fragile. Why stacking multiple streams is risk reduction, not risk addition, from an early retiree.

By Richard Dias 12 Jul 2026
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