BiggerPockets Money9 Des 2025

The Ultimate Guide to Early Retirement Drawdown (2026)

Building a $2.5 million portfolio is hard. Spending it without running out? That's even harder.

Welcome to the 700th episode of the BiggerPockets Money Podcast! To mark this milestone, hosts Mindy Jensen and Scott Trench are tackling one of the most critical—and most overlooked—aspects of financial independence: decumulation. Most people obsess over building wealth but stumble when it's time to actually spend it. The withdrawal strategy you choose can mean the difference between a comfortable 40-year retirement and running out of money at the worst possible time.

In this episode, we cover:

Sequential vs. blended vs. cyclical withdrawal strategies—which is right for you?
How to create a tax-efficient drawdown plan that could save you hundreds of thousands
The role of Roth accounts, traditional IRAs, and taxable brokerage accounts in your withdrawal strategy
When to do Roth conversions and how to time them for maximum benefit
Healthcare planning in early retirement and how it affects your withdrawal strategy
Estate planning considerations and maximizing what you leave behind
Real-world scenarios: what withdrawal strategies look like in practice
The biggest mistakes retirees make in the decumulation phase

Whether you're just starting your FI journey or you're ready to retire next year, this comprehensive guide will help you spend your money strategically, minimize taxes, and make your nest egg last.

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