How to Use a Retirement Spending Floor to Protect Your Income

In this episode of Retirement Planning with Fexingo, Lucas and Luna explore the concept of a retirement spending floor — a guaranteed income layer that covers essential expenses. They use the example of a hypothetical retiree with $1.2 million in savings, showing how combining Social Security, a single-premium immediate annuity, and a bond ladder can create a floor that covers $48,000 of annual spending. They walk through the math, the trade-offs, and how this strategy differs from the classic 4 percent rule. Along the way, they discuss the importance of separating fixed costs from discretionary spending, the role of inflation-adjusted annuities, and why a floor can help you stay invested when the market drops. This is a practical, numbers-driven conversation for anyone nearing retirement who wants more certainty without giving up growth potential. #RetirementPlanning #SpendingFloor #GuaranteedIncome #Annuity #SocialSecurity #BondLadder #RetirementIncome #FinancialPlanning #Finance #FexingoBusiness #BusinessPodcast #RetirementWithdrawal #IncomePlanning #LiabilityMatching #EssentialExpenses #LongevityRisk #InflationAdjusted #FexingoRetirement Keep every episode free: buymeacoffee.com/fexingo