Why Spending in Retirement is Often Harder than Saving
from Retire Today
Saving for retirement is a skill that most people spend decades developing. But once retirement begins, the challenge changes completely. Instead of accumulating wealth, retirees must learn how to confidently spend it—and for many, that's much harder than expected. In this episode, Jeremy explores why so many retirees struggle to spend the money they've worked so hard to save. Learn about the psychology behind "fear of running out," why many retirees underspend despite having more than enough assets, and how changing your mindset from "saver" to "planner" can transform the retirement experience. Jeremy also shares practical strategies for creating retirement income that feels like a paycheck and discusses how to spend with purpose while minimizing future regret. If you've ever hesitated to enjoy your retirement because you're worried about spending too much, this episode offers a practical framework for turning your savings into the meaningful retirement you've spent a lifetime building. For disclosures and conflicts visit keilfp.com/disclosures.
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