Top Retirement Money Withdrawal Method — Is the Dynamic Way Better?

Comparing 6 retirement (or work-optional) distribution strategies and figuring out which is best given your priorities

Opher Ganel
Crow’s Feet
Published in
7 min readOct 4, 2023


I hate the word “retirement.”

It isn’t that I have anything against people who’ve worked multiple decades being able to downshift a gear or two.

My pet peeve here is that even after spending nearly a quarter century studying (all the way to my physics PhD), 16 years working in academic research, two years in corporate America, and 12 years as a self-employed consultant, I have no desire to sit on the couch and wait to die.

Not me.

No, thank you very much.

Like many others, what I’m looking forward to (in another 4–5 years) is getting to my “work-optional” phase of life.

Truth be told, I’m already sort of there, at least if we’d downgrade our lifestyle to what it was a decade or so ago.

However, if we want to enjoy all the things on our lists, it’ll take those 4–5 additional years.

And, given how close to the target we’ve come, it’s time to shift attention from asset accumulation to focus more on the best way distribution strategy.

As we’ll see below, this means it’s time to…

Go Beyond the 4-Percent Rule

When you start planning for work-optional (a.k.a., retirement planning), you need a target.

The number that’ll tell you you’ve accumulated enough to be able to live life on your terms — working only with/for people you like and trust, on projects that light you up, as many or few hours as pleases you, with no regard to what, if any, monetary compensation results.

In brief, seeing when you reach the point of “no more needed.”



Opher Ganel
Crow’s Feet

Consultant | systems engineer | physicist | writer | avid reader | amateur photographer. I write about personal finance from an often contrarian point of view.