The Stacking Benjamins Show

Carving Out a Robust Retirement Spending Plan (SB1698)

11 snips
Jun 20, 2025
Join financial mavens Karsten Jeske, Dana Anspach, and Frank Vasquez as they explore the art of spending in retirement. Karsten, the Early Retirement Now expert, shares insights on withdrawal rates, while Dana discusses decumulation strategies to ease the transition to retirement. Frank dives into innovative portfolio strategies, emphasizing risk parity. They tackle the emotional hurdles of withdrawals, the role of annuities, and how to navigate unexpected expenses. Whether you’re retiring soon or well into your golden years, their advice is invaluable!
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ADVICE

Shift Portfolio for Retirement

  • Shift your retirement portfolio from high-risk accumulation to a balanced, sustainable cash flow approach.
  • Design your portfolio like an SUV to handle varied market conditions, not just for speed or fuel efficiency.
INSIGHT

Frugality Inertia Impact

  • Frugality inertia makes it hard for savers to switch to a spending mindset.
  • Acknowledging you have enough and focusing on spending can improve retirement satisfaction.
INSIGHT

Retirement Risks Visualized

  • Viewing retirement as paddling upstream with a waterfall behind illustrates sequence of return risk effectively.
  • The math behind safe withdrawal rates can help reduce retirement anxiety.
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