{"id":48,"date":"2026-08-03T09:00:00","date_gmt":"2026-08-03T09:00:00","guid":{"rendered":"https:\/\/www.drsunilpatel.us\/blog\/?p=48"},"modified":"2026-08-03T09:00:00","modified_gmt":"2026-08-03T09:00:00","slug":"retirement-budgets-may-be-backward","status":"publish","type":"post","link":"https:\/\/www.drsunilpatel.us\/blog\/2026\/08\/retirement-budgets-may-be-backward\/","title":{"rendered":"Retirement Budgets May Be Backward"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\"\n                src=\"https:\/\/www.roomvu.com\/agent\/embed\/sunil-patel-1\/retirement-budget-backward-remotion-videos-20a6\"\n                frameborder=\"0\"\n                allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\"\n                allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>Many retirees start with yield, but that only covers today. Better planning asks whether income will still handle rising costs years from now.<br \/>\nIn the US, the 2026 cost-of-living adjustment was ~3%, while inflation stayed above that through the first half of 2026, pressuring fixed-income budgets.<br \/>\nHigh-yield assets can solve immediate cash needs, but flat payouts lose purchasing power over time, and distribution cuts can leave a real hole.<br \/>\nDividend-growth stocks usually start with lower income, yet steadily rising payouts can outpace inflation and potentially double portfolio income over a decade.<br \/>\nMore durable retirement plans blend current income, growing income, and stable bonds, while stress-testing any high-yield position against a possible payout cut.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Many retirees start with yield, but that only covers today. Better planning asks whether income will still handle rising costs years from now. In the US, the 2026 cost-of-living adjustment was ~3%, while inflation stayed above that through the first half of 2026, pressuring fixed-income budgets. High-yield assets can solve immediate cash needs, but flat [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":49,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-48","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/www.drsunilpatel.us\/blog\/wp-json\/wp\/v2\/posts\/48","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.drsunilpatel.us\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.drsunilpatel.us\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.drsunilpatel.us\/blog\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.drsunilpatel.us\/blog\/wp-json\/wp\/v2\/comments?post=48"}],"version-history":[{"count":0,"href":"https:\/\/www.drsunilpatel.us\/blog\/wp-json\/wp\/v2\/posts\/48\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.drsunilpatel.us\/blog\/wp-json\/wp\/v2\/media\/49"}],"wp:attachment":[{"href":"https:\/\/www.drsunilpatel.us\/blog\/wp-json\/wp\/v2\/media?parent=48"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.drsunilpatel.us\/blog\/wp-json\/wp\/v2\/categories?post=48"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.drsunilpatel.us\/blog\/wp-json\/wp\/v2\/tags?post=48"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}