The rule of thirds could help add stability to your retirement plan, but there are a few things to know first. Nora Carol Photography/Getty Images

For many retirees, building up savings is only half the battle. The bigger hurdle is determining how to turn those savings into a steady income stream that lasts throughout retirement. And, that question is only becoming more pressing, as issues like rising medical expenses, sticky inflation and longer life spans are making it tough for retirees to fully ensure that they have enough put away to cover all of their expenses. Amid this landscape, about 64% of retirees say they're more concerned about running out of money than they are about dying, according to the 2025 Annual Retirement Study from Allianz Life.

Traditional r

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