Why Spending in Retirement Is Harder Than It Sounds

Why Spending in Retirement Is Harder Than It Sounds

From My Retirement Clarity with Lee Perkins by Lee Perkins

April 29, 2026 · 15 min · Episode 186

About this episode

Lee discusses the challenges of spending in retirement and the psychological barriers that can hinder enjoyment of savings.

Meet with us: http://talkwithjlp.com 📚 Looking for more financial education? Check out 👉 http://myretirementclarity.com You spend decades building your savings, then retirement comes, and spending it feels harder than expected. Lee dives into why that shift is so difficult and what’s really going on beneath the surface. He looks at the real reasons people hold back. Without a plan and the right mindset, it’s easy to miss out on the retirement you worked so hard to build. Here’s what we discuss in today’s show: ⚠️ Fear of Running Out: Drives hesitation at any wealth level 🔄 Habit Problem: Saving mindset doesn’t turn off 🧠 Emotional Barriers: Past experiences shape behavior 💸 Guilt Factor: Legacy goals can limit enjoyment 📊 Plan Creates Confidence: Clarity makes spending easier Want to set up a meeting with us? Visit us here: http://talkwithjp.com Get more financial education at http://myretirementclarity.com

People in this episode

Host: Lee Perkins

Topics covered

  • spending in retirement
  • financial planning
  • emotional barriers
  • retirement mindset
  • wealth management

Keywords

  • retirement spending
  • financial education
  • fear of running out
  • habit problem
  • emotional barriers
  • guilt factor
  • planning
  • confidence

Mentioned in this episode

Organizations: My Retirement Clarity, http://talkwithjlp.com, http://myretirementclarity.com

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