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In this post, we discuss how you can use the Actuarial Approach and its funded status metric to help you feel more confident about your spending plan in retirement. It is a follow-up to our post of Ja...
Erin Moriarty of Erin Talks Money explores the emotional side of money, retirement spending, and how AI is reshaping financial planning. The post Podcast 109: Personal Finance for Real People: DIY Inv...
Retirement spending estimates are often too low, but a retirement spending plan can change that. Here’s how to keep your money from running out. The post Retirement Spending Plan: How to Know If Your ...
Roger Whitney kicks off a new series on decluttering for retirement, explaining how the accumulation of “stuff”—from physical belongings to financial accounts to relationships—can unconsciously shape ...
Going from accumulator to decumulator is not like flipping a switch. It’s psychologically recalibrating your entire money life. The post The Psychology of Spending in Retirement appeared first on The ...
Spending in retirement often starts off strong then tapers off, so why rely on planning methods that assume it stays constant? Here's a more realistic approach.
How trading your savings today will give you a permanent raise tomorrow.
Many plans focus on how much has been saved, but it's how much you spend that ultimately determines whether your plan works.
One of the more common retirement concerns I hear from new subscribers is the transition from saving for retirement to spending retirement savings. During our careers, we’re programmed to sacrifice sp...
Dr. Wade Pfau explains four ways to beat sequence of return risk and turn your retirement savings into retirement income. For most of your working life, retirement planning feels relatively straightfo...
One of the biggest fears people carry into retirement is running out of money. But for many retirees, the greater risk is something else entirely. Running out of time. In this episode, James Conole, C...
Lifestyle creep can quietly influence long‑term financial security. Here's how to check in on your spending and realign with your goals.
What if waiting until you're "fully ready" for retirement is actually costing you some of the best years of your life? Topics covered in this episode: The controversial "retire at 80%" framework Why m...
Spending more time managing your health in your 70s and beyond is part of the “new normal” of extending healthy longevity to your later years.
Physicians have gotten better about entering retirement with serious financial muscle. Yet many still struggle with peace about actually spending ... Read more
"Chase and Ryder" are 56 and 55 with $5 million saved and huge pensions the day they retire. So why are they so nervous about pulling the trigger? That's today on Your Money, Your Wealth® podcast numb...
Playing it too safe could mean trips not taken, educations not funded, life not enjoyed. Don't abandon caution — just build contingency plans for your portfolio.
Today I had a funny interaction with a friend who is just now starting his retirement but hasn’t yet adjusted. We were discussing plans on spending a few days at his cabin along with another recently ...
I retired almost a year ago and still often feel like I’m settling in. I’ve had several large and small projects that are keeping me busy, but I’m also learning to relax and not worry about deadlines ...
We’ve all read the research about the “Go-go, slow-go and no-go” periods of retirement and decreased real-dollar spending as we age, but contrary to observed research, most decumulation strategies tod...
[Long] This might be one of those “Shut up, good problem to have” things, but I honestly don’t have a grip on it. I’ve been retired for 2.5 years and in 6 months, I’ll claim Social Security when I hit...
Tuesday, March 31 - Monday, April 06, 2026 Most Commented score comments title & link 182 128 comments Small adventures on the cheaper side 377 79 comments I've Been Retired For Three Years. It's Time...
When I think about the start of spring, I think about spending the Easter holiday with my family, the colors returning to our green spaces, a little more sunshine, and maybe a shower or two. Hail the ...
Are Roth conversions worth it? We'll find out, today on Your Money, Your Wealth® podcast number 576. TJ in PA is gonna have huge capital gains. Joe and Big Al spitball on whether it's worth it for him...
Your tax refund can be more than extra spending money. Using it strategically – such as boosting retirement savings, paying down debt, or building an emergency fund – may strengthen your long-term fin...
I know some retirees end up spending a fair amount of well-earned money at the start of retirement, living Big Adventure dreams. A month in Greece and Turkey. Buying an RV and spending a year or two o...
Financial independence isn't just about hitting a certain net worth or reaching a magic retirement number, it's a personal journey shaped by your habits, values, and the emotional baggage that money c...
Photo by Gabriel Meinert The subject of spending seems to be getting a lot of attention of late in and around the financial independence (FI) community. The issue seems to be that those pursuing FI ar...
Explore how meaningful travel experiences, storytelling, and thoughtful planning can enhance your retirement journey. In this episode, Roger answers listener questions on managing retirement accounts,...
Hi everyone! My husband and I were having a fun conversation about what to do with our RMD dollars when they start coming in (we are 5 years out so it’s just a fun question, not advice). We both love ...
Author Ethan Lohr shares how the four buckets retirement income strategy helps retirees behavior-proof their retirement. Many retirees face one similar problem that they struggle to name: the emotiona...
Choosing the best way to withdraw retirement funds depends on which paycheck system aligns with your lifestyle, tax plan and shifts in spending as you age.
Join us as we continue our "Anchors of Retirement Confidence" series, where we discuss four areas of retirement uncertainty plus strategies designed to replace your anxiety with clarity and control. I...
Joe Anderson, CFP® and Big Al Clopine, CPA focus on Social Security claiming strategies as part of the retirement spitballs, today on Your Money, Your Wealth® podcast number 574. Bijou Plutus and her ...
The final decisions you make on spending, Social Security and investments can make the difference between a successful retirement and one filled with regret.
The Actuarial Approach: Employs an easy-to-understand and robust financial metric (Household Funded Status) Permits adoption of easy-to-implement guardrails that suggest future spending changes Uses b...
Adding just 1% more can have a transformative impact on your retirement savings and spending. See how this painless hack works.
We all know we need to have an emergency fund, mine is around 6-8 months of expenses, but what's your strategy for if and when you dip into it, how do you go about replenishing it when you're on a tig...
Roger Whitney dives into practical strategies for navigating health care before Medicare, sharing insights from retirees, survey results, and listener questions. Together they explore real-world solut...
F67, M72. We get about income of 5500 a month spend about 4,000 a month and have $1500 left over, Next year that we will pay off our last debt and will have another $500 available. We have rebuilt our...
My life is changing fast and I’m having a hard time keeping up. Just a short recap: My mother passed away late August 2025. In November, I drove across the country to have a funeral service (it was at...
In this episode, James walks through four of the most common income strategies retirees consider today and why many people are still using outdated math for a 2026 retirement. The question is not just...
I retired then went back to work for six months then quit again. Figured I was truly retired now. Went on a month long cruise / vacation after. Work wants me back. Told them my new employee hourly rat...
If you plan to punch the clock for the final time decades before "standard" retirement age, you need a financial strategy that goes beyond just saving. Joe Anderson, CFP® and Big Al Clopine, CPA spitb...
I retired June 1, 2024. My wife is still working, her planned last day is June 30, this year. Here's a few things I've noticed.... I'm maintaining our 'retirement fund' portfolio at Vanguard in the 60...
Your spouse wants to remodel your kitchen and several bathrooms in your house. You’ve received a quote for the work for about $100,000. Using a strategic withdrawal approach and a Monte Carlo modeling...
This post is a follow-up to our post of August 23, 2025 where we encouraged financial advisors and DIYers to ditch Monte Carlo modeling and its probability of success metric and adopt the Actuarial Ap...
Roger Whitney wraps up the four-part series on navigating health care before Medicare by introducing a practical decision-making framework using the OODA Loop—observe, orient, decide, act—to help you ...
Jeremy Keil explains the 5 RMD (Required Minimum Distribution) mistakes in Retirement and how to avoid them. A retiree recently called for help. It was their first year taking Required Minimum Distrib...
A wide-ranging and insightful conversation with Morningstar's Christine Benz, where we discuss her annual retirement income research, the realities of spending in retirement, and the challenge many re...