Distribution Playbook — How to Turn Savings Into Sustainable Retirement Income

Turning a nest egg into dependable retirement income is the hardest — and most important — move you’ll make. In this episode Chris Drew lays out a distribution-first playbook: eliminate high-interest debt, practice the spending plan, use laddered T-bills/CDs/short treasuries for safe income, and build a guaranteed floor with pensions or annuities so market dips won’t force painful withdrawals. Chris explains tax-aware withdrawal sequencing, when Roth conversions make sense, how to bridge healthcare before Medicare, and why you should run cost-and-risk and overlap reports before consolidating accounts or moving money. Packed with listener Q&A and operational steps (set-and-forget monthly distributions, emergency buckets, and how to interview an advisor), this is a practical guide to stop guessing and start delivering a retirement income you can live on. Want help implementing a distribution plan? Book a free consultation at https://askthecaptain.com or call 833-DREW-CAP (833-373-9227).See omnystudio.com/listener for privacy information.