{"version":1,"type":"rich","provider_name":"Libsyn","provider_url":"https:\/\/www.libsyn.com","height":300,"width":600,"title":"From Saving to Spending: Navigating the Mindset Shift in Retirement","description":"What happens when you finally reach your retirement \u201cnumber\u201d\u2026 and then have to start spending it?   In this thoughtful and highly relatable conversation, Russ Ball sits down with Jeff Perry\u2014recently retired financial advisor\u2014to explore one of the most overlooked challenges in retirement: shifting from saving to spending. After decades of focusing on accumulation, the transition to drawing down assets brings both financial and emotional complexities that aren\u2019t always easy to prepare for.   Jeff shares his firsthand experience navigating those first few months of retirement, offering an honest look at the psychological hurdles that come with watching your portfolio decrease rather than grow. Together, they discuss how to determine sustainable withdrawal rates, the importance of truly understanding your expenses (including the often-forgotten \u201clife happens\u201d costs), and why having a clear plan can make all the difference in building confidence.   The conversation also dives into practical strategies\u2014like guardrails, bucketing, and annual plan reviews\u2014that can help retirees stay on track while still enjoying their money. Perhaps most importantly, this episode highlights the emotional side of financial planning: overcoming fear, embracing flexibility, and giving yourself permission to live the life you\u2019ve worked so hard to create.   #RetirementPlanning #FinancialAdvising #WealthManagement #RetirementIncome #FinancialSecurity #ClientExperience #PersonalFinance ","author_name":"Something More with Chris Boyd","author_url":"http:\/\/somethingmorewithchrisboyd.libsyn.com","html":"