[Verse 1] Sarah's twenty-five and starting out today She's building up her nest egg, saving every pay This is accumulation, growing wealth with time Compound interest working, making dollars climb She's got decades ahead to weather every storm Building up her fortress, keeping money warm [Chorus] Accumulation builds it up, up, up Decumulation spends it down, down, down Four percent rule keeps you safe and sound Annuities pay out when markets let you down Plan your phases, know your stages Retirement planning through the ages [Verse 2] Now Sarah's sixty-five, retirement's at her door Time to flip the switch from saving to withdraw Decumulation phase means spending what she's earned But spend too fast and bridges will be burned She needs to make her money last thirty years or more A careful balance between ceiling and the floor [Chorus] Accumulation builds it up, up, up Decumulation spends it down, down, down Four percent rule keeps you safe and sound Annuities pay out when markets let you down Plan your phases, know your stages Retirement planning through the ages [Bridge] Four percent withdrawal rate's the golden rule of thumb Take that much each year and your money shouldn't run But markets go up and down like waves upon the sea Annuitization gives you guaranteed money Insurance company promises to pay you every month Even when the market gives your portfolio a punch [Verse 3] Sustainable withdrawal means your money doesn't die It lasts throughout retirement beneath that endless sky Sequence risk can hurt you if markets fall too soon But proper planning helps you avoid that painful tune Mix your strategies wisely, don't put eggs in one basket Annuities and portfolios working in your casket [Chorus] Accumulation builds it up, up, up Decumulation spends it down, down, down Four percent rule keeps you safe and sound Annuities pay out when markets let you down Plan your phases, know your stages Retirement planning through the ages [Outro] From twenty-five to ninety-five Keep your retirement dreams alive Build it up then spend it smart Retirement planning is an art
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