---
title: How Much of My Retirement Savings Can I Safely Spend?
description: Financial experts explain how to not outlive your savings.
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published: '2016-02-10T16:19:47.000Z'
modified: '2020-07-07T10:56:29.000Z'
section: Retirement
tags:
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> **Disclosure:** We research all brands listed and may earn a fee from our partners. Research and financial considerations may influence how brands are displayed. Not all brands are included. [Learn more](https://money.com/page/disclaimer/).

![how much retirement savings should i save](https://img.money.com/2015/12/how-much-retirement-savings-should-i-save-e1449701236377.png)

*In this series, [Tips from the Pros](https://money.com/topic/tips-from-the-pros/)*, *Money taps the collective wisdom of expert financial planners.*

Everyone worries about money, but retirees worry about running out of money when they are too old to go back to work. So how exactly do you make your retirement savings last? Financial advisers have figured out that if you withdraw roughly 4% from a diversified retirement portfolio the first year of retirement, adjusting that amount for inflation in subsequent years, chances are good that your money will last you for 30 years.

*Featured Advisers:*

-   Victoria Fillet [Blueprint Financial Planning](http://blueprintfp.com/Home_Page.html)
-   Jenifer Lee [4D Tax and Financial Planning](http://4d-nyc.com/firmprofile.php)
-   Gail Linn [MetLife Financial Group of New York](http://www.gaillinn.com)
-   Jeffrey Golden [Circle Advisers](http://www.cadvinc.com)

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