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Join the newsletter and we'll send you the complete eBook Build a Retirement Plan You Can Question — the companion guide to the AI Retirement Income Planner. Then expect occasional, genuinely useful emails: planning tips, worked examples, new release notes and fresh YouTube videos.
Build a Retirement Plan You Can Question
A practical guide to organising retirement income, testing withdrawals, and using AI to review your own plan — by Paul Hankin.
Most retirement advice gives you a single number and asks you to trust it. This book takes the opposite approach. Its core idea is simple but powerful: retirement income should be planned as a timeline, not as one average year. Your income changes. Your spending changes. Taxes shift, Medicare starts at a different age from your retirement date, Social Security may begin later, inflation quietly erodes purchasing power, and required minimum distributions arrive whether you planned for them or not.
A plan you can actually question shows all of that clearly — so you can understand it, test it, and improve it with confidence. That is exactly the philosophy the AI Retirement Income Planner is built on, and this book is the guide that explains the thinking behind every screen.
Why it pairs with the planner
The book teaches the why; the planner does the math. Each chapter maps to features you'll use — phases, the balance that carries forward, tax-bracket and ACA/IRMAA awareness, real-vs-nominal income, withdrawal strategies, and the built-in AI review. Read a chapter, then watch the idea play out live in your own numbers.
What you'll learn
- Income is only the start. The difference between gross income and spendable income — and why the same monthly target can produce very different plans.
- The balance that carries the plan forward. How sequence risk, withdrawal timing and growth shape every later year, and when a low (or high) ending balance is actually fine.
- Taxes change the shape of income. Brackets, the standard deduction, Social Security taxation, Roth conversions and RMDs — viewed across phases, not one year in isolation.
- Healthcare moves with income. The pre-Medicare ACA bridge, MAGI, premium tax credits, cost-sharing reductions, and IRMAA surcharges — and how withdrawals can quietly trip them.
- Inflation and real income. Why nominal dollars can lie, how COLA and the UK triple lock help, and how to review income in real terms.
- Comparing withdrawal strategies. The 4% rule, variable percentage withdrawal, guardrails, buckets, and floor-and-upside — matched to your situation.
- Asking better questions — with AI. A responsible workflow for using the planner's AI chat to summarise, stress-test and propose changes to your plan, while you stay in control.
Educational only — not financial, tax or legal advice. Every projection is an estimate based on the assumptions you enter.
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Thirteen chapters, from rough estimate to reviewed plan
A clear, jargon-free path through the moving parts of retirement income — each one mirrored by a feature in the planner.
Income as a timeline
Why retirement isn't one average year, and how to break it into phases you can plan and compare.
Spendable vs gross
The income number is only the start — what actually lands in your pocket after tax and healthcare.
The balance chain
How each year's ending balance carries the plan forward, and what sequence risk really means.
Taxes by phase
Brackets, the standard deduction, Social Security taxation, Roth conversions and RMDs over time.
Healthcare & thresholds
The ACA bridge years, MAGI, premium tax credits, cost-sharing reductions and IRMAA surcharges.
Inflation & real income
Why nominal dollars mislead, and how to review purchasing power in real terms.
Withdrawal strategies
4% rule, VPW, guardrails, buckets and floor-and-upside — matched to your situation.
Reviewing with AI
A responsible workflow for asking better questions about your own plan, staying in control.
Your first session
A step-by-step worked case study, from a rough estimate to a stress-tested, reviewed plan.
What lands in your inbox
Occasional emails — only when there's something genuinely worth your time.
Tips, tricks & worked examples
Practical, screen-by-screen ways to get more out of the planner — Roth timing, ACA bridges, IRMAA avoidance and more.
Retirement planning insight
Plain-English explainers on taxes, healthcare, inflation and withdrawal strategy — the thinking behind the numbers.
New release details
Be first to hear about new planner versions, features and improvements — and what they mean for your plan.
New YouTube videos
A heads-up when fresh walkthroughs and tutorials go live on the WebNomad Studio channel.
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Prefer print? The book is also on paperback & hardback →