What’s the biggest fear retirees face? It’s not running out of money—it’s spending it.

In this episode, Ralph and Tim Short dive into the psychology behind retirement spending and why so many people hesitate to use the savings they worked hard to build. They explore the importance of a structured financial roadmap, highlight common mistakes that derail retirement plans, and discuss how inflation and early withdrawals can impact long-term security. Rather than a one-size-fits-all approach, they stress the value of customizing your plan to fit your lifestyle and goals. Tune in for practical insights that help you navigate retirement with confidence and clarity.

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