Are you afraid to spend your own retirement savings? Nearly half of American retirees suffer from “spendophobia”—the fear of using the money they worked so hard to save. This episode with John Scallan explores why making the leap from saving to spending is so difficult, how simple mistakes can leave your financial future exposed, and why understanding your risk and having a clear plan is essential. Hear real stories, expert insights, and practical advice on overcoming financial anxiety and building a retirement strategy that fits your life.

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