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All right.

Let's go to Susie in Charlotte.

Hi, Susie.

Welcome to the show.

Hi, Rachel and John. I'm so excited to speak with you both.

I appreciate you taking my call. Absolutely. How can we help today? I'll ask my question,

and then I can give you a little more context if you'd like. Okay. My question is, when we're ready

to retire, is it a good move for my husband and I to move money out of the stock market into more

conservative funds within our IRA for withdrawing that money?

So, and here's a, go ahead.

Well, I was going to say, you know, depending on who you talk to in the financial planning world, some people go super conservative and they, you know, they suggest annuities, CDs like putting your money in.

But what we, I mean, but honestly, who we talk to from the financial planning perspective and who we more tend to lean towards is leaving it in because for retirement,

let's say you retire at 65, you know, you may still have 20 years of your life left and

you would miss out on so much growth because a lot of the retirement, you may not even

touch the actual nest egg, you'll just be actually living off of what it's making every

year and you're going to make

nothing in a CD or annuity like all of that, even though it feels safe over such a long period of

time of retirement, you're still going to make so much keeping it in. Yeah, our financial advisor had said

that his rule of thumb or his thought process was that you could spend about 4% of your

retirement savings each year.

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