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  <title>Helping Underspenders And “Savers” Understand They CAN Spend More</title>
  <description>Can you relate to this statement: &amp;quot;They’ve done everything right financially… but still can’t bring themselves to spend the money they’ve saved.&amp;quot; In today's Retirement Headline, Meghaan Lurtz explains why underspending in retirement is usually rooted in psychology, not math. Lurtz shares several common barriers:  Fear of future dependence Doom forecasting And an Identity tied to being a saver  Resource:  Article by Meghaan Lurtz: &amp;quot;Helping Underspenders And “Savers” Understand They CAN Spend More With 4 Stages Of “Experiments”&amp;amp;nbsp;  &amp;amp;nbsp; Listener question:&amp;amp;nbsp; &amp;quot;If I plan to retire at 65 1/2 or 66 and sign up for Medicare before 65 - but not for Parts B and D (because of my employer provided insurance) - will I have to pay a penalty to get Parts B and D (and Supplements) at a later date when I actually retire?&amp;quot; Listen in to learn about creditable coverage and how penalties can stack up on themselves. &amp;amp;nbsp; Connect with Benjamin Brandt  Subscribe to the This Week in Retirement: http://thisweekinretirement.com Get the Retire-Ready Toolkit: http://retirementstartstodayradio.com Work with Benjamin:&amp;amp;nbsp;https://retirementstartstoday.com/start  Follow Retirement Starts Today in:Apple Podcasts, Spotify, Overcast, Pocket Casts, Amazon Music, or&amp;amp;nbsp;iHeart Get the book!Retirement Starts Today: Your Non-financial Guide to an Even Better Retirement &amp;amp;nbsp; </description>
  <author_name>Retirement Starts Today</author_name>
  <author_url>https://retirementstartstodayradio.com/</author_url>
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