I believe that your retirement equation breaks down into three parts: things that you have total control over (such as how much you save and where you put those savings and investments); things you have some control over (how long you work); and things that you have no control over (short-term market returns, government policy).

Your retirement spending is a big focal point when we're working with our clients at Keen Wealth. This process may initially feel restrictive at times, but approached prudently, we have found this to be one of the most fun and exciting pieces of the planning process. On today's show, we discuss four important spending considerations that should factor into your retirement plan.