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...This final article is about the rarest outcome.
It’s not rare because it requires genius.
It’s rare because it requires restraint.
And patience.
And a willingness to keep going long after “enough” has already arrived.
I call this outcome escape velocity.
...In the first article of this series, I described the only three retirement outcomes that exist. In the second, I explored the most painful of them—running out of money before you run out of life, a failure born not of bad luck but of misaligned decisions around saving, equity ownership, and spending.
This article is about the second outcome.
It’s the one most successful retirements occupy.
It’s the one that works most of the time.
And it’s the one that quietly demands the most humility.
...In the previous post, I laid out a truth that tends to land with a dull thud rather than a dramatic crash: there are only three possible retirement outcomes. No matter how complex the strategy, how clever the product, or how confident the forecast, every retirement ends up in one of three places.
This article is about the first—and most problematic—of those outcomes: running out of money before you run out of life.
...After nearly thirty years in the business of retirement income planning, I’ve learned something that surprises people when they hear it plainly: There are only three possible retirement outcomes.
Not three hundred. Not one for every market forecast or economic regime. Not one for each new financial product or political headline. Just three.
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