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Are you spending too little in retirement, worried you might outlive your savings? Many retirees struggle to strike the right balance, often holding back on enjoying the wealth they've worked a lifetime to build. I'll show you how to overcome those fears and spend with confidence while still planning for the future.

What about real estate? Whether you're thinking about renting instead of owning, leveraging home equity for long-term care, or even investing in rental properties, the right approach can make all the difference. I'll share practical insights to help you figure out what works best for your lifestyle and financial independence.

Retirement is your chance to live on your terms, free of unnecessary stress and worry. By understanding the psychology of spending and making thoughtful decisions about your biggest assets, you can enjoy the freedom and security you've earned. Let's get started.

• [0:00] The Start of 2025
• [1:50] Spending Struggles in Retirement
• [4:40] Connecting with Your Future Self
• [6:12] Underspending Biases and Longevity Risk
• [12:01] Real Estate in Retirement
• [14:10] Renting vs. Owning
• [16:10] Home Equity for Long-Term Care

• The Retirement Podcast Network
• Morningstar Article: Tips to spend less or more in retirement by Samantha Lamas.
• Benjamin Brandt's Book: Retirement Starts Today.
• Capital City Wealth Management: Benjamin Brandt's financial planning firm.

• Get the Retire-Ready Toolkit: http://retirementstartstodayradio.com
• Subscribe to the newsletter: https://retirementstartstodayradio.com/newsletter
• Work with Benjamin: https://retirementstartstoday.com/start

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Retirement Starts Today: Your Non-financial Guide to an Even Better Retirement