In this episode of FIN-LYT by EWA, Ben Ruttenberg explores the delicate balance between saving and spending—and why getting it wrong can lead to serious regret.Drawing on experience from working with high-net-worth clients, Ben and the team break down the psychology behind over-saving and over-spending, highlighting common mindsets like scarcity, abundance, and status comparison. They explain how upbringing and past financial trauma can shape behavior, and why many people struggle to shift gears from accumulation to enjoying their wealth.The conversation also dives into practical frameworks and tools for achieving financial equilibrium, including reverse budgeting, goal prioritization, and values-based planning. From helping clients justify spending in retirement to designing a lifestyle aligned with personal values, this episode is packed with insight for anyone looking to make intentional, regret-free financial decisions.Whether you're approaching retirement or just trying to find your balance, this episode will help you think differently about what financial success really means.

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