Many retirees with pensions and large savings make the same mistake — they don’t spend enough. Ryan Rinehart of Denali Financial Group explains why the traditional 4% rule often doesn’t apply to pension millionaires, using a real case study of a couple with $2M saved and a $50,000 pension. He shows how withdrawal rates of 5–7% can still maintain a 97% probability of success, and why front-loading spending in your 60s leads to a richer, more intentional retirement.
