Secure Your Retirement: Avoid Running Out of Money Too Soon

• Focus on monthly living expenses, not just a 'big number,' and account for rising prices.
• Practice disciplined withdrawals; a 3-4% annual withdrawal rate is a common guideline to make money last.
• Balance safety with growth; include some equity mutual funds to combat inflation, not just fixed deposits.
• Prioritize healthcare: secure good insurance and maintain an emergency buffer for medical costs.
• Bucket your savings: keep 1-2 years' expenses accessible, next few years in stable investments, and the rest for long-term growth.