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Should You Spend Everything Before You Die (EP 75)
Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-started
Not every retiree wants to leave behind a large estate. For some Canadians, the goal is to fully enjoy retirement, spend confidently, and maximize experiences during their lifetime while leaving a minimal inheritance behind.
In this episode of Retiring Canada, we discuss five key planning considerations for retirees whose goal is to intentionally spend down their retirement savings over time.
You will learn how longevity assumptions dramatically impact retirement planning, why retirement spending often changes through the “go-go,” “slow-go,” and “no-go” years, and how dynamic retirement income strategies may help support higher spending earlier in retirement. We also discuss inflation, long term care costs, housing decisions, home equity planning, and why tax efficient decumulation becomes critically important when the margin for error is smaller.
We also explore the emotional side of retirement planning, including purpose, flexibility, adapting to change, and the deeper question of what it truly means to live well throughout retirement.
This episode is for Canadian retirees and pre-retirees who want to better understand how to confidently spend and enjoy their retirement years while still maintaining a sustainable long term financial plan.
WANT EVEN MORE RETIREMENT PLANNING TIPS?
Join thousands of other Canadians and subscribe to the Retiring Canada Newsletter.
https://www.retiringcanada.ca/retirement-newsletter
As a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!
EPISODE RESOURCES:
📊 Work with Michael: https://fundamentalwealth.ca/get-started
💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter
👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide
✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question
🌐 Retiring Canada Website: https://www.retiringcanada.ca
🔗 2025 Projection Assumption Guidelines - FP Canada
View all episodes
By Michael Isbister, CFP®Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-started
Not every retiree wants to leave behind a large estate. For some Canadians, the goal is to fully enjoy retirement, spend confidently, and maximize experiences during their lifetime while leaving a minimal inheritance behind.
In this episode of Retiring Canada, we discuss five key planning considerations for retirees whose goal is to intentionally spend down their retirement savings over time.
You will learn how longevity assumptions dramatically impact retirement planning, why retirement spending often changes through the “go-go,” “slow-go,” and “no-go” years, and how dynamic retirement income strategies may help support higher spending earlier in retirement. We also discuss inflation, long term care costs, housing decisions, home equity planning, and why tax efficient decumulation becomes critically important when the margin for error is smaller.
We also explore the emotional side of retirement planning, including purpose, flexibility, adapting to change, and the deeper question of what it truly means to live well throughout retirement.
This episode is for Canadian retirees and pre-retirees who want to better understand how to confidently spend and enjoy their retirement years while still maintaining a sustainable long term financial plan.
WANT EVEN MORE RETIREMENT PLANNING TIPS?
Join thousands of other Canadians and subscribe to the Retiring Canada Newsletter.
https://www.retiringcanada.ca/retirement-newsletter
As a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!
EPISODE RESOURCES:
📊 Work with Michael: https://fundamentalwealth.ca/get-started
💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter
👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide
✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question
🌐 Retiring Canada Website: https://www.retiringcanada.ca
🔗 2025 Projection Assumption Guidelines - FP Canada