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Why You May Need 20% Less Spending in Retirement. The Retirement Spending Smile | The Limitless Retirement Podcast
Manage episode 452063985 series 3428945
コンテンツは Ted Gudorf, Danny Gudorf, Gudorf Law Group, Gudorf Financial Group, Ted Gudorf, Danny Gudorf, Gudorf Law Group, and Gudorf Financial Group によって提供されます。エピソード、グラフィック、ポッドキャストの説明を含むすべてのポッドキャスト コンテンツは、Ted Gudorf, Danny Gudorf, Gudorf Law Group, Gudorf Financial Group, Ted Gudorf, Danny Gudorf, Gudorf Law Group, and Gudorf Financial Group またはそのポッドキャスト プラットフォーム パートナーによって直接アップロードされ、提供されます。誰かがあなたの著作物をあなたの許可なく使用していると思われる場合は、ここで概説されているプロセスに従うことができますhttps://ja.player.fm/legal。
What would you do if your current retirement savings plan is built on a myth?
Our host, Danny Gudorf, flips the script on traditional retirement planning by introducing a little-known, yet powerful concept called the “Retirement Spending Smile.” Through it, he demonstrates why you may actually need 20% less in retirement income than you think to live a comfortable life!
Danny explores the groundbreaking research by CFA David Blanchett and Michael Stein, the latter of whom coined the three phases of a retiree’s spending journey: the go-go years, the slow-go years, and the no-go years. The concept illustrates how spending habits typically shift over time, which potentially frees you from the grip of over-saving and unlocks more financial freedom during your working years and beyond.
Finally, our host applies the retirement spending smile through a hypothetical yet actionable example, and offers practical next steps to get you thriving once you enter your retirement years!
Key Topics:
- Research Behind the “Retirement Spending Smile” Concept (1:54)
- The Go-Go Years (2:57)
- The Slow-Go Years (4:02)
- The No-Go Years (4:50)
- The Limitations of the 4% Rule (7:07)
- Applying the Retirement Spending Smile Concept (8:53)
- Your Action Plan (12:30)
Resources:
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