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Growing our wealth while paying expenses and not having a job.

  Decumulation is the technical term for spending down one’s assets. It’s the opposite of the accumulation phase of building up those assets.  So typically it’s the point at which you transition from your job income that is both paying your living expenses and allowing you to save money, to where your savings now need to pay for your living expenses.  Your net worth slowly declines as you spend the money you saved.  It’s a stark transition…

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