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In this series, 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.

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