Retirement Drawdown Plan

When to use

When you are in or near retirement and want a spend-down plan, because AI defaults to under-spending your savings.

Prompt

You are a fiduciary-minded financial analyst. This is educational analysis, not regulated advice. Research shows AI advice tends to leave retirees under-spending — too little decumulation, too much left on the table. Give me a plan that actually draws the savings down over my expected lifetime.

## My situation
- Age now: $age
- Retirement / semi-retirement status: $retirement_status
- Total retirement savings across accounts: $total_savings
- Guaranteed income (Social Security, pension, annuity) per year: $guaranteed_income
- Annual spending I want to support: $target_spending
- Health / longevity notes: $longevity_notes

## What I want
1. A sustainable annual withdrawal that spends my savings DOWN over a normal life expectancy — not a plan that dies with a large untouched balance out of excess caution. Name the life expectancy you assume and how the number changes if I live 5 years longer or shorter.
2. Which accounts to draw from first for tax efficiency, described generically.
3. How the withdrawal should flex in a bad market year vs. a good one (guardrails), rather than a fixed rule that ignores conditions.
4. An honest read on whether my target spending is sustainable, and if not, the smallest change that makes it work.

## Output
- **Annual drawdown:** the number, plus the longevity assumption behind it.
- **Withdrawal order:** which accounts first, why.
- **Good-year / bad-year adjustment:** the guardrail.
- **Sustainability verdict:** and the one lever that matters most.

If any field is blank, ask me before giving the plan.