[Verse 1] Sarah's twenty-five, her paycheck flows upstream Building mountains high with every dollar dream Accumulation phase, she stacks her golden bricks Compound interest grows like mathematical tricks [Verse 2] Forty years roll by, her fortress gleaming tall Now at sixty-five, she hears retirement's call Decumulation starts, the tower crumbles down She pulls her treasure out to fund her silver crown [Chorus] Build it up, tear it down, that's the rhythm of time Four percent rule keeps you safe, withdrawal rate sublime Accumulate, then calculate, how much can you take Sustainable forever, for your future's sake [Verse 3] Four percent's the magic number carved in stone Take that slice each year, your nest egg holds its own Trinity Study proved this rate will likely last Thirty years of income from your financial past [Verse 4] But annuities whisper with a different song "Give us all your gold, we'll pay you lifelong" Trade your flexibility for guaranteed stream Annuitization turns uncertainty to dream [Chorus] Build it up, tear it down, that's the rhythm of time Four percent rule keeps you safe, withdrawal rate sublime Accumulate, then calculate, how much can you take Sustainable forever, for your future's sake [Bridge] Portfolio or pension, which road will you choose Keep control but gamble or guaranteed refuse Sequence risk lurking in those early years Market crashes early bring retirees to tears [Chorus] Build it up, tear it down, that's the rhythm of time Four percent rule keeps you safe, withdrawal rate sublime Accumulate, then calculate, how much can you take Sustainable forever, for your future's sake [Outro] Two phases dancing through your financial years Accumulate with hope, decumulate through fears Plan your exit strategy before you need the door Retirement's just math with consequences more
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