How a 56-Year-Old Turned a $735,000 401(k) Rollover Into a $4,300 Monthly Paycheck Without Buying an Annuity

Context matters here. The 10-year Treasury is near 4.74%, the 30-year is around 5.27%, and the Fed funds upper bound sits at 3.75%. A retiree can build income today without reaching for exotic yield, but the trade-offs still bite.
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