Most retirees want to enjoy their savings — but fear spending too much and running out.

The good news? There’s a smarter way than the old “4% rule,” and it adjusts itself automatically to protect your nest egg.

It’s called the guardrail method — and it may change how you retire.

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Fun Fact Of The Day

The guardrail concept was first popularized by financial planner Jonathan Guyton, whose studies showed retirees using dynamic withdrawals had some of the highest success rates of any retirement income strategy.