The overarching theme of Fisher’s 99 tips is that retirement isn't a date on a calendar; it is a financial planning problem. Many of the tips focus on shifting your mindset from "saving" to "spending down."
The famous "4% rule" (withdraw 4% of your portfolio in year one, adjust for inflation thereafter) works for average retirements. But Fisher adds: Be flexible. If the market crashes 30%, skip the inflation adjustment for a year. ken fisher 99 retirement tips pdf