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Thought leadership series
What if you're not spending enough in retirement? You may not want to die too rich.
Are you spending enough in retirement? This is a question that needs to be asked more often. One of the most impactful conversations we have is with a family after someone passes away. We hear things like, "Dad always wanted to take that trip." Or, "Mom always talked about helping the grandkids more." And in so many cases, the money was there. But the fear of outliving their money outweighed the fear of missing out on what that money could have provided. So they missed out. The family vacation everyone would still be talking about. The classic car they always wanted. Helping put the grandkids through school. Seeing the difference they could have made in their community while they were still here to experience it. They needed someone to guide them and give them confidence to spend the money while they were alive to make lasting memories and help their kids and grandkids while they were alive. Grandparents sometimes believe its best to give the money when they are passed and not when it matters the most. Wrong! A good retirement plan should absolutely protect you from running out of money. But it should also help you identify the things that matter most, build them into the plan, and give you the confidence to do it now instead of when you are 6 feet under.
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