
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
More episodes of My Retirement Clarity with Lee Perkins
- Beach, Budgets, and Balance: What Vacation Planning Really Looks Like in Retirement · June 10, 2026 · 16 min
- Three Questions From People Thinking About Retiring In 2026 · May 27, 2026 · 16 min
- “I Wish I Knew This at 25” — Young Adult Money Mistakes · May 21, 2026 · 21 min
- Don't Waste Your Annual Financial Review · April 15, 2026 · 18 min
- The Federal Retirement Match: What It Means for You · March 25, 2026 · 18 min
- Tax Mistakes New Retirees Make (And How to Avoid Them) · March 11, 2026 · 16 min
Explore listener stats, chart rankings, contacts and more on the My Retirement Clarity with Lee Perkins podcast page.