What a 4% Withdrawal Rate Really Means When Social Security Falls Short

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Why This Matters

The article highlights the importance of managing the gap in retirement spending when Social Security benefits fall short, emphasizing the need for alternative income sources to sustain a 30-year retirement.

Market Impact

Market impact analysis based on bearish sentiment with 80% confidence.

Sentiment
Bearish
AI Confidence
80%
Time Horizon
Short Term

Article Context

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When Social Security covers only half your retirement spending, the other half must come from somewhere. How you manage that gap determines whether your money lasts 15 years or 30. For someone receiving the 2026 average benefit of $2,071 per month, that means finding another $2,071 each month, or about $25,000 per year, from savings ... What a 4% Withdrawal Rate Really Means When Social Security Falls Short

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Original article published by Unknown on January 16, 2026.
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