Retirement Decumulation Skill for Muse
US-flavored retirement decumulation math: withdrawal rates, guardrails, RMDs.
- What
- US-flavored retirement decumulation math: withdrawal rates, guardrails, RMDs.
- Cost
- Free
- Needs
- None for the educational content. Optional: Python 3 to run the companion script for withdrawal-plan simulations.
- Install
- Copy the installer prompt below into your Muse — your agent does the rest.
Turn a retirement portfolio into sustainable lifetime income, with real math instead of slogans: sequence-of-returns risk (with a worked example showing how an early crash changes everything), the 4% rule and its assumptions (Bengen/Trinity backtests, and why 3–3.5% may fit longer retirements), Guyton-Klinger-style guardrails with concrete cut/raise rules, RMD calculation from the IRS Uniform Lifetime Table, Social Security claiming math (early reduction, delayed credits, breakeven ages, survivor benefits), gap-year bracket-filling with Roth conversions, bucket strategies versus total-return, and SPIA annuitization as longevity insurance — with worked examples, key formulas, a companion Python script, and a blunt common-pitfalls list. Discovered via skills.sh. Honest note: the content is US-flavored — Social Security, RMDs, IRAs, SECURE 2.0 — so the math is universal but the rules need adapting to your country's retirement and tax system; and it educates, it does not give personalized financial advice. Skill Harbor never reviews the code, review it yourself before use. Not verified.
Curated by Skill Harbor — free, open-source skill (MIT) by @joellewis.
Version:
Install
Prerequisites: None for the educational content. Optional: Python 3 to run the companion script for withdrawal-plan simulations. Install "Retirement Decumulation Skill for Muse" for me. Turn a retirement portfolio into sustainable lifetime income: sequence-of-returns risk, the 4% rule and its assumptions, Guyton-Klinger guardrails, RMD calculation, Social Security claiming math, Roth conversion gap years, bucket vs total-return strategies, and annuitization — with worked examples and formulas. Repository: https://github.com/joellewis/finance_skills/blob/HEAD/plugins/wealth-management/skills/retirement-decumulation/SKILL.md 1. Fetch the SKILL.md file (and its helper files) from the repository path into a temporary folder and summarize what it does in one or two sentences. 2. Safety check: review the SKILL.md and scripts for anything suspicious (unexpected network calls, shell commands, credential harvesting). This repo should contain zero secrets in code. Verify that holds here; STOP on any red flag and tell me. 3. Install it as a skill: copy SKILL.md and its helper files into the agent's skills directory, in a folder named "retirement-decumulation". 4. Verify with no network calls: frontmatter valid, files in place. 5. Report what was installed, where, and what I still need to do myself (e.g. check Python 3 is available for the companion script). GitHub is optional: if I have a GitHub account or the gh CLI, you may use it; otherwise public access is fine. Rules: don't touch anything outside the temp folder and the install target. If anything looks off, stop and ask me.
Questions
How do I install a build?
Every product page includes a copy-paste install prompt. Paste it into your Muse and it sets the build up for you — no manual configuration.
Where does my money go?
Straight to the seller. Skill Harbor never processes payments: checkout happens on the seller’s own page, usually Stripe.
What does the ✓ next to a creator’s name mean?
It means we confirmed the identity of the person behind the listing. It says nothing about the code itself — always check a build before installing it.