What if the choices you think are saving you money are actually costing you the most? In this episode, Larry Kiser breaks down the surprising concept of “spaving” — spending disguised as saving — and how it can quietly undermine even the most careful retirement plans. From emotional decision‑making to refinancing traps, 401(k) withdrawals, and the power of sticking to financial principles, Larry explains why seemingly harmless habits can compound into long‑term consequences. He also sheds light on the importance of building a realistic spending plan, understanding your emotional biases, and knowing when to seek professional guidance. This conversation helps listeners rethink the true impact of everyday financial choices.

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