Optimizing the Last Year of Work Before Retirement - Rusty (Part 1) | MHFI 316

Optimizing the Last Year of Work Before Retirement - Rusty (Part 1) | MHFI 316

April 21, 2026 · 1h 12m

About this episode

Doug chats with Rusty about optimizing the final year before retirement, discussing strategies to lower withdrawal rates and the implications of quitting a job.

Doug chats with Rusty about how to optimize the final year before (early) retirement, emphasizing the critical distinction between “one more year syndrome” vs. a calculated final year and how working a little longer can lower withdrawal rates & reduce sequence-of-returns worry. They compare quitting to being fired or laid off and highlight some potential benefits such as severance, possible unemployment, and employer healthcare continuation. Rusty also shares some personal negotiation tactics when leaving a job. Do you like the podcast and want to support the show? Follow the link to find out how: https://milehighfi.com/support/ Curious to know exactly what products Doug uses? Check out his Amazon lists below. *Affiliate links below, so if you buy something or spend money, we might earn a commission. That helps the show and doesn’t cost you anything extra. Thank you! Guitar Accessories Hiking & Outdoor Essentials for Sleep Want to order MHFI stickers/temporary tattoos or create your own custom stickers? Of course you do! We ALL do! Order them here using our affiliate link so that we might earn a commission: https://www.stickermule.com/dougcunnington Links Email Rusty…

More episodes of Mile High FI Podcast

Explore listener stats, chart rankings, contacts and more on the Mile High FI Podcast podcast page.