Retirement Answer Man

How to Rebalance Your Portfolio in Retirement

Jun 11, 2025
The podcast dives into the emotional journey of transitioning to retirement, sharing a listener's challenges. It emphasizes the importance of rebalancing financial portfolios and adapting to life's changes. Practical tips are offered for updating spending and income estimates to maintain financial accuracy. The conversation also celebrates the adventures of retired travelers, highlighting group travel experiences and the connections made along the way. Solo travel stories inspire listeners to embrace independence while navigating new horizons.
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ANECDOTE

Listener's Early Retirement Doubts

  • A 71-year-old listener shared doubts about early retirement despite a secure pension.
  • She questioned spending, health, social ties, and life purpose shortly after retiring.
ADVICE

Review Your Spending Annually

  • Review your actual spending compared to what you planned in retirement.
  • Identify if variances are from inflation, behavior, or one-off events and adjust accordingly.
ADVICE

Update Spending Estimates

  • Update your retirement plan spending estimates based on your latest year’s actuals.
  • Adjust both essential and discretionary spending including timing of gifts or trips.
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