Reverse dollar cost averaging

Hello friends,

I’m Joanne Regan, and welcome to the Retiretastic blog — where my mission is to help you build a retirement that isn’t just financially secure, but truly fulfilling.

Now, let me ask you something: Have you ever seen someone driving in reverse down the highway? Sounds ridiculous, right? But that’s exactly what too many retirees are doing with their money — and they don’t even know it.

Today, I want to talk to you about what I call “Reverse Going Forward.” It’s one of the most dangerous and widespread financial mistakes retirees are making. And it all boils down to this: Reverse dollar cost averaging.

If you’re withdrawing income from mutual funds or stock-based portfolios during retirement — especially more than 1% annually — chances are, you’re spending your principal. That means you’re cannibalizing your own retirement nest egg, and putting your financial future at risk.

I’m not here to scare you — I’m here to help you see it clearly.

Most people spend their working years building wealth. But retirement isn’t about building anymore. It’s about distributing that wealth — wisely. And unfortunately, the majority of retirees have never been shown a strategy that actually works in this new phase of life.

Let’s be honest: Nobody wants to run out of money before they run out of life.

That’s why relying on outdated advice like the 4% withdrawal rule can backfire — especially in years when the market dips. If you’re taking withdrawals during a downturn, you have to sell more shares just to get the same amount of income. That’s reverse dollar cost averaging, and it’s a formula for failure.

The good news? You don’t have to go down that road.

Instead, what I teach — and what we do for our clients every day — is build custom, diversified, income-generating portfolios that pay interest and dividends in good times and bad. That means you can enjoy your retirement without shrinking your nest egg year after year.

In retirement, it’s not about growing your money anymore — it’s about generating income that supports the life you want to live.

So if you’ve been wondering if your current retirement strategy is on the right track — or if you just want to feel more confident about your financial future — I’d love to get a simple, helpful report into your hands. It’s called “Hard Lessons of Stock Market History” and it explains exactly why strategies that work during your working years can turn cancerous in retirement.

Give me a call at 1-800-FSG-7890 and I’ll send it to you — by email or mail, whichever you prefer.

Remember:
You’ve worked too hard to go backward in retirement.
Let’s get your income going in the right direction — forward.

Until next time,
Joanne Regan
Host of The Retiretastic Show
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