How to Use Your Money Without Stopping Its Growth
A Smarter Way to Create Retirement Income That Lasts
Most people approach retirement the way they’ve been taught: save in a traditional retirement account, then start taking withdrawals once they stop working. It seems simple enough.
But there’s a problem.
As soon as you start taking withdrawals, that money is gone for good. It stops working for you. It no longer earns interest, and it no longer grows. It’s like cutting off a branch from a fruit tree. Sure, you can eat the fruit now—but that branch won’t produce anything in the future.
What If There Was a Better Way?
What if you could use your money—without interrupting its growth?
This isn’t some new theory. In fact, it’s a strategy that has been used for decades—especially by the wealthy. Instead of withdrawing money and depleting their account, they borrow against their savings. That way, the full balance continues to earn compound interest and market-based returns. They access what they need now without compromising their future.
It’s like getting a match on your withdrawals—your money is still growing even while you’re spending.
A Quick Example
Let’s say the market earns 8% in a given year.
Would you rather earn that 8% on a balance that’s shrinking because you’re withdrawing from it?
Or earn 8% on a balance that stays intact—or even grows—because you never had to touch it directly?
That’s the power of using leverage instead of liquidation.
The Battery vs. Generator Analogy
Think of your retirement savings like a power source.
A battery gives you power—but every time you use it, it gets weaker. Eventually, it runs out. That’s how most traditional retirement plans work. The more you use, the less you have left to grow.
A generator, on the other hand, keeps producing energy as long as it’s maintained and fueled properly. It powers your life without depleting itself. That’s the essence of this smarter strategy—it continues to generate income while preserving your base.
The RMD Trap: A Shrinking Account You Can’t Control
As if that weren’t enough, retirees with traditional tax-deferred accounts face another challenge: Required Minimum Distributions (RMDs).
Once you reach a certain age, the IRS requires you to start taking minimum withdrawals—whether you need the money or not. And these required withdrawals increase every year. So even if you want to conserve your account, the government forces you to take out more and more.
Now you’re not just managing growth—you’re being forced to shrink your account, whether it’s sustainable or not.
And for someone relying primarily on Social Security and a retirement account for income, this can be devastating. As the account balance shrinks, so does their future income potential—right when healthcare costs are rising and longevity risk is increasing.
A Broken System—and a Better Option
The truth is, many of today’s retirement plans are built on outdated assumptions. They come with high fees, limited control, and significant future tax obligations—especially risky in an environment where taxes are likely to rise.
This isn’t about investing more aggressively or taking on more risk.
It’s about using smarter mechanics.
This alternative approach allows you to:
- Preserve growth while accessing income
- Avoid the forced drawdown from RMDs
- Reduce long-term tax burdens
- Create more reliable income in retirement
It’s a strategy that existed before pensions became popular. And now that pensions are largely gone, it’s more relevant than ever.
You Deserve to See the Comparison
If you’re saving for retirement—or already there—you owe it to yourself to see how this works.
Click the QR code below to schedule a 15-minute call.
I’ll gather just a few pieces of information about your goals and show you a personalized side-by-side comparison. You’ll see how big of a difference this smarter approach can make in your retirement income.