The Retirement Problem No One Talks About: Spending

The Retirement Problem No One Talks About: Spending

April 10, 2026 · 21 min

About this episode

Matt Meline discusses the challenges of spending confidently in retirement and introduces a framework to help empty nesters enjoy their savings.

Notes: In this episode of Empty Nest Full Pockets, financial planner Matt Meline tackles one of the biggest — and most overlooked — challenges in retirement: spending with confidence. After years of saving, many empty nesters still hesitate to enjoy their money. Why? Because uncertainty around taxes, withdrawals, and timing creates fear of making a costly mistake. Matt introduces the “Permission to Spend” framework — a tax-smart strategy designed to help you turn your savings into reliable ...

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