Dozens of financial advisors told me that there was no investment vehicle that would allow me to have my cake (savings) and eat it too (spend it). Using the investment skills that I refined over the last 10 years, I was able to reverse engineer the "Secret Ingredients and Recipes" that make up many retirement income plans.
I then simply replicated the same investment holdings being sold by "the big companies" without paying any commissions. It was just like buying the S&P stocks individually instead of an index fund. I personally use the monthly passive income generated to pay my monthly bills and supports my desired lifestyle in Europe.