How to Be More Variable With Your Safe Withdrawal Rate

We all tend to be conservative by nature. A lot of us end up one day dying with lots of money in the bank, which I guess is great because we can give that to charities or leave it to our children and hopefully our grandchildren and maybe even great grandchildren. But I wonder if we could enjoy ourselves more today if we could spend a little more freely, especially when we're getting to that point where we are financially sound,. maybe life would be a little better.