Retirement-cash-flow

Retirement cash should be sized from the essential spending gap, emergencies, and known large expenses—not a copied portfolio percentage. This U.S. framework compares one-, two-, and three-year reserves.

Living mostly on dividends is possible, but “never selling shares” does not make cash free or riskless. This U.S. framework covers ex-dividend mechanics, taxes, concentration, and dividend-cut stress tests.

A FIRE plan should not stop at pre-tax returns or a headline withdrawal rate. This template helps U.S. households translate portfolio assets into after-tax spendable cash by modeling taxes, account order, transaction costs, and cash reserves.