Retire With Ashley

It's Sunday and I'm wrapping up the week by summarizing this week's theme: Are You Being Too Frugal in Retirement?

In case you missed any episodes this week, here's the recap…

This week on the Retirement Quick Tips Podcast, I'm talking about the all-too-common problem of being too frugal and underspending in retirement, how this frugality can rob you of a fulfilling retirement, and steps you can take to find a better balance with spending and preserving financial security in retirement.

Today, I'm talking about my Top Tips To Start Enjoying Your Nest Egg More

This week on the Retirement Quick Tips Podcast, I'm talking about the all-too-common problem of being too frugal and underspending in retirement, how this frugality can rob you of a fulfilling retirement, and steps you can take to find a better balance with spending and preserving financial security in retirement.

Today, I'm talking about how generosity when practiced consistently, can help relieve a tendency toward over frugality in retirement.

This week on the Retirement Quick Tips Podcast, I'm talking about the all-too-common problem of being too frugal and underspending in retirement, how this frugality can rob you of a fulfilling retirement, and steps you can take to find a better balance with spending and preserving financial security in retirement.

Today, I'm talking about intentional spending = meaningful life. I touched on this yesterday, but I want to continue with intentionality today, because I think it's really the key to living an anti-frugal and fulfilling retirement.

This week on the Retirement Quick Tips Podcast, I'm talking about the all-too-common problem of being too frugal and underspending in retirement, how this frugality can rob you of a fulfilling retirement, and steps you can take to find a better balance with spending and preserving financial security in retirement.

Today, I'm talking about finding the right balance between overspending and over-frugality in retirement.

This week on the Retirement Quick Tips Podcast, I'm talking about the all-too-common problem of being too frugal and underspending in retirement, how this frugality can rob you of a fulfilling retirement, and steps you can take to find a better balance with spending and preserving financial security in retirement.

Today, I'm talking about why it's so hard to spend for so many of you.

Welcome to a new week here on the Retirement Quick Tips podcast! I'm your host, Ashley Micciche.

Nearly two in three Americans (64%) worry more about running out of money than death, according to the 2025 Annual Retirement Study from the Allianz Center for the Future of Retirement. I talked about this at length in last week's theme.

This week, I want to continue that discussion and talk about one of the unfortunate and all-too-common outcomes of a deep fear of running out of money in retirement - being too frugal and not enjoying your retirement years as you should because you underspend.

It's Sunday and I'm wrapping up the week by summarizing this week's theme: Americans Now Fear Running Out of Money MORE than Death!

In case you missed any episodes this week, here's the recap…

This week on the Retirement Quick Tips Podcast, I'm talking about a study from the Allianz Center for the Future of Retirement that found something striking: 64% of Americans are more worried about running out of money in retirement than they are of death itself.

Today…So far this week, I've talked about how you can address the very common fear of running out of money in retirement. There are a number of strategies you can use, but their effectiveness really depends on how close you are to retirement.

For example, saving more makes the biggest impact the farther away you are. So if I'm talking to someone my age—around 40—the advice is simple: reduce expenses, cut out the things that are keeping you from saving more, and then be more aggressive with how much you save. That alone can take you a long way toward reaching your goal of accumulating enough so you don't have to worry so much about running out of money in retirement.

But if you're closer—say one to five years out—saving more won't move the needle nearly as much. At that stage, the best solution is usually just to work a little bit longer. A couple extra years of work can have an outsized impact on retirement security.

Now, what we haven't yet addressed this week is: what if you're already retired? Many baby boomers in this survey, all over 60 now, are in that exact situation. They're still worried—rightly so—about running out of money. But it's too late to save more, and too late to delay retirement. At that point, the one arrow left in the quiver is maintaining a safe withdrawal rate. That is the key to not running out of money once you're retired.

This week on the Retirement Quick Tips Podcast, I'm talking about a study from the Allianz Center for the Future of Retirement that found something striking: 64% of Americans are more worried about running out of money in retirement than they are of death itself. I

When you're worried or fearful about anything in life, one of the best ways to kill that fear is to build some knowledge and better understand what you need to do in order to conquer that fear. And it's no different with planning for retirement.

I think a lot of the fear about running out of money in retirement comes from the simple fact of not knowing. Not knowing when I can retire. Not knowing how much money I can spend in retirement. Not knowing how much is enough.