As we close out the year, it's the perfect time for a financial checkup. While we often focus on our savings rate during our working years, once we transition into retirement, the spotlight shifts to something equally, if not more, important: our spending rate.

Today, we're diving into how the way we spend impacts our long-term financial security, and why taking a step back to reflect on our spending habits at the end of the year is essential for making sure we're on track.