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[Music] when you go into retirement then you have to look at all right well ive accumulated some assets maybe you do have real estate social security pensions then its figuring out well what is the appropriate distribution rate what whats feasible and i think thats a mystery to a lot of people and theres different ways to do this and and really probably the best is ongoing monitoring and seeing how youre doing but just as some some some quick ideas to to give you some thoughts theres three different strategies one would be the four percent rule the four percent rule just simply means whatever i have in terms of liquid assets i can take four percent of that ive got a million bucks i can take forty thousand dollars so thats and hopefully your portfolio is earning more than that so next year your balance is higher youre taking a little bit more another one would be called dynamic withdrawals and you could sort of use that same four percent rule but you just take more when the m