# Retirees sometimes tap savings for one-off expenses. Here’s what advisors say to consider first

- URL: https://talkfuse.com/story/retirees-sometimes-tap-savings-for-one-off-expenses-heres-what-advisors-say-to-consider-first/
- Published: 2026-11-13T19:01:12+00:00
- Updated: 2026-11-13T22:09:23+00:00
- Original publisher: CNBC (publisher lean: Centre)
- Original article: https://www.cnbc.com/2026/11/13/retirement-401k-ira-withdrawal-taxes.html
- Topics: Business

## Key points

- A one-off withdrawal can reduce future investment growth.
- $10,000 less invested could mean about $16,300 less after 10 years.
- The example assumes a 5% annual return.

## Summary

The article considers how retirees can pay for a one-off expense from savings, highlighting the longer-term cost of taking money out of investments. A withdrawal reduces the balance immediately and also removes money that could otherwise have grown over time.

For example, $50,000 earning 5% a year would grow to about $81,400 over 10 years. If $10,000 were withdrawn at the start and the remaining $40,000 earned the same return, it would grow to about $65,200, a difference of roughly $16,300. The figures use the SEC’s Investor.gov compound-interest calculator.

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Summarised by TalkFuse (https://talkfuse.com/). Quote the original publisher for the reporting and link this page for the summary and discussion.