Welcome back, and Happy New Year!  My first posts covered how much to save for retirement.  In the next several posts, I explore how to manage savings and withdrawals once you’re in retirement.  OK, so you’ve made the break, attended your last office party, and are no longer punching a clock.  How should you handle your savings?  How much can you withdraw and spend every year?  Wait a minute, you say – didn’t the last couple of blogs already answer that question?  Why not withdraw 4% of your savings in the first year, then increase that with inflation each year to keep the purchasing power the same? Well, you would…