S6 Ep 92 - Retirement Income Isn’t About Products... It’s About Permission

Most retirees believe the key to a successful income strategy lies in the products — specifically, the right pension wrapper, withdrawal rate, or investment mix. But here’s the truth: it’s not about products at all. It’s about permission.

In this episode, I challenge the obsession with spreadsheets and simulations, revealing why confidence to spend doesn’t come from perfect plans — it comes from understanding, repetition, and emotional safety. You’ll discover the Permission Pyramid, the secret behind guardrails-based freedom, and why your financial plan should feel like permission to live, not a restriction on joy.

What You’ll Learn

• Why most retirees don’t need better products — they need better permission

• The myth that spreadsheets create confidence

• The three levels of the Permission Pyramid: Numbers Clarity, Emotional Confidence, Behavioural Permission

• How guardrails create freedom (not restriction) in your income strategy

• The real role of a retirement plan — to give you permission to live well

• Three key questions to help you feel confident spending your income

Challenge of the Week

👉 Write your own Retirement Spending Permission Slip.

Literally. Write it down and make it visible.

“I, [your name], give myself permission to spend money in retirement that:

• aligns with my values

• fits within my plan

• creates joy, meaning, and memories

• honours the work I did to earn it

• and supports the life I want now — not just a future I might never meet.”

Stick it on the fridge. Make it your phone background. Repeat it until it feels real.

Resources & Mentions

• The Permission Pyramid — My 3-level model for income confidence

• Guardrails-Based Spending — freedom within boundaries

Next Episode

Coming up in Episode 7: Your Retirement Plan Is a Lie (But You Still Need One)

We’ll explore why traditional financial plans often give false security, what happens when life refuses to behave, and how to design a living, breathing plan that adapts as you do.