HOW TO START SPENDING CONFIDENTLY IN RETIREMENT
FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS
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Tyler Kluge | CFP®, CPWA®, CDFA®, CEPS
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Tessa Hall
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About This Episode
Moving from saving money to spending it in retirement can feel uncomfortable and unfamiliar. Learn why this transition is often emotionally challenging and how thoughtful planning can help you spend with greater confidence and peace of mind.
Full Description
For many retirees, the shift from saving money to spending it can be one of the most challenging parts of retirement. After decades of building assets, drawing from those savings often feels unnatural, even when the plan supports it.
In this episode of Healthy, Wealthy & Wise, the discussion explores how to navigate the transition from saving to spending in retirement. Listeners will learn why this shift can feel emotionally difficult and how thoughtful planning helps ease the adjustment.
The episode explains how retirement spending differs from working years. Income sources change, spending patterns evolve, and decisions often require more intention. Understanding how and when to use savings is critical for maintaining confidence throughout retirement.
The conversation also addresses common concerns, such as fear of running out of money and uncertainty around market conditions. Listeners gain insight into how planning strategies can provide structure while allowing flexibility as needs change over time.
Rather than focusing on rigid rules, the episode emphasizes aligning spending with personal priorities and long-term goals. Retirement spending should support the life you want to live, not create ongoing stress or hesitation.
At BWFA, we help retirees develop income strategies designed to support both lifestyle and longevity. This episode offers perspective for anyone approaching retirement or already adjusting to life after full-time work.
To learn more about retirement planning strategies, visit BWFA’s Financial Planning Services.
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