Why You’ll Never Actually Spend Your Retirement Savings episode artwork

EPISODE · Jul 30, 2026 · 27 MIN

Why You’ll Never Actually Spend Your Retirement Savings

from Building Your Money Machine · host Mel H Abraham, CPA, CVA, ASA, CSP

Welcome to the Building Your Money Machine Show! Today I’m calling out the elephant in the room—why you’ll probably never actually spend your retirement savings, and what the heck to do about it. I’m getting real about what decades of money discipline actually do to your brain and why even with a mountain of cash, you might still feel “broke adjacent.”We’ll bust the myths, flip the script on the traditional retirement model, and talk about turning your discipline into freedom (not a cage). If you want to know how to stop hoarding, start living, and finally get some joy from what you’ve built, this one’s for you.IN THIS EPISODE, I COVER:Why 1 out of 3 retirees never touch their nest egg (and why that's not the "win" you think)The identity crisis nobody preps you for—why disciplined savers hit a wall in retirementThe critical mindset shift: it’s not about going from builder to spender, it’s about becoming a stewardHow to design your own financial “joy points” and train yourself to actually enjoy your wealthThe only antidote to fear-based spending habits (hint: math helps, but it isn’t enough)If you’re tired of letting fear rule your finances, let’s break out of the cage together and start using your money machine for what it was built for—living a life that outlives you. Hit play and let’s do this!RECOMMENDED EPISODES FOR YOUIf you liked this episode, click here to enjoy these and more:https://melabraham.com/show/When Does Investment Income Finally Beat Your Day JobI'm Politely Begging You To Get Good with MoneyEvery Financial Trap Middle Class People Fall Into ExplainedRich People Don’t Buy Luxury...They Buy These 8 ThingsPsychology of Families Who Stay Rich For GenerationsRECOMMENDED VIDEOS FOR YOU If you liked this video, you'll love these ones:When Does Investment Income Finally Beat Your Day Job: https://youtu.be/bRyW3hxzRac I'm Politely Begging You To Get Good with Money: https://youtu.be/tEJ89xF2ZZ0 Every Financial Trap Middle Class People Fall Into Explained: https://youtu.be/kn5nCbd5FOU Rich People Don’t Buy Luxury...They Buy These 8 Things: https://youtu.be/clc7oX7VJUQ Psychology of Families Who Stay Rich For Generations: https://youtu.be/phB_2VcYPbA ORDER MY NEW USA TODAY BESTSELLING BOOK:Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!The key to building the life you desire and deserve is to build your Money Machine-a powerful system designed to generate income that’s no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.When you do you’ll also get over $1100 in wealth resources & bonuses for FREE! TAKE THE CONSTRAINT SCORE DIAGNOSTIC™:Take the free Constraint Score Diagnostic and discover what's really holding you back. In less than two minutes, you'll identify your primary constraint and get a personalized roadmap to reclaim bandwidth, reduce overwhelm, and move forward with greater clarity at http://TheConstraintScore.com

Episode metadata supplied by the publisher feed · Published Jul 30, 2026

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Welcome to the Building Your Money Machine Show! Today I’m calling out the elephant in the room—why you’ll probably never actually spend your retirement savings, and what the heck to do about it. I’m getting real about what decades of money discipline actually do to your brain and why even with a mountain of cash, you might still feel “broke adjacent.” We’ll bust the myths, flip the script on the traditional retirement model, and talk about turning your discipline into freedom (not a cage). I...

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