Generic Planning Problems - January 24, 2026

The 80% Rule has been a staple of financial planning for many years. It is an easy button which maintains that retirees will only need 70-80% of their pre-retirement income to maintain their standard of living once they quit work. Today Dan discusses why this long standing thought is outdated, considering the different patterns of spending the modern retiree wants in their post-working years, as well as factors like volatility, longer life spans, persistent inflation and more.The Harlow Wealth Retirement Hour is a long running radio program featuring advisors from Harlow Wealth Management, based in Vancouver, Washington. Chris Harlow, Dan Erickson and their team discuss topics related to retirement, areas to cover in an economic plan, and how such a plan can be individually tailored to meet the needs of any particular individual or couple.