Always solid reading, from two pioneers of New Zealand retirement income commentators! https://www.auckland.ac.nz/assets/business/our-research/docs/economic-policy-centre/pensions-and-intergenerational-equity/PIE%20newsletter%20December%202023.pdf RETIREMENT SPENDING https://www.unisaver.co.nz/forms-and-resources/mary-holm-articles/rules-of-thumb-on-retirement-spending/