Why spending down principal in retirement is not a good idea? What is reverse dollar-cost averaging? Why should you consider the effects of inflation on healthcare costs in your retirement? Spending principal in retirement has never been a smart strategy, but with the average life expectancy rising, it is more of a slippery slope than ever before, especially for those in their early years of retirement. In my educational video series, I discuss some of the negative effects of spending principal can have on your retirement.