Most retirement advice focuses on saving and not running out of money — but few talk about how to spend confidently once you’ve achieved financial independence.

Lance Roberts & Danny Ratliff show how to shift from saving mode to living mode without fear or guilt:

Why it’s okay to enjoy what you’ve earned

How to enjoy your wealth without overspending

The emotional side of leaving the “accumulation” mindset

Practical withdrawal and income strategies for peace of mind

0:19 - A Deluge of Data Coming

4:36 - Market Rotations and Maintaining Momentum

8:48 - Tariff Rebates & 50-Year Mortgages

15:43 - Spending in Retirement Without Regret

20:15 - What Will You Do in Retirement?

21:22 - Mrs. Roberts' Wiffleball Tournament

24:15 - What Will You Do with Your Time & Money?

26:24 - The Question of Longevity in Retirement

29:13 - It's Okay to Touch the Principle

32:43 - The Need for an Advocate

34:46 - Budgeting in Retirement

37:26 - What Do You Want to Do in Retirement?

40:01 - It's Okay to Spend Your Money

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📍 More at RealInvestmentAdvice.com

Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP

Produced by Brent Clanton, Executive Producer

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The latest installment of our new feature, Before the Bell, "XLE Energizes Markets," is here:

https://www.youtube.com/watch?v=8dRFc_XWbPc&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1

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Our Previous Show, "Old-School Money Rules Our Kids Need to Hear," is here:

https://www.youtube.com/watch?v=MM5vwaXJyls&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=8s

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