Retirement doesn’t fail at the saving stage. It fails at the spending stage, when one Medicare deadline, one mistimed Social Security claim, or one avoidable tax bracket quietly costs tens of thousands of dollars.
Don’t Run Out is a practical guide to the distribution phase of retirement: turning what you’ve saved into income that lasts. Written in plain language and revised for 2026 with verified, current-year figures, it walks through the decisions every retiree and near-retiree faces, and the traps built into each one.
Inside, you’ll learn:
Instead of abstract rules, the book follows a small cast of fictional households (a couple entering retirement with everything in pre-tax accounts, a single saver racing an inherited IRA clock, a widower who claimed Social Security at exactly the wrong moment) so every strategy plays out in real numbers you can compare to your own.
You won’t become a financial professional by reading this book, and it won’t try to make you one. You’ll become something more useful: an informed client who can sit across from any advisor, ask the right questions, and recognize a good answer when you hear one.