The Go-Go Years: Why You'll Spend More in Early Retirement Than You Think

Описание: If you’re planning for retirement using the “70–80% of pre-retirement income” rule, there’s a problem. For many retirees, the first 5–10 years of retirement — the go-go years — are actually the most expensive phase. Higher travel, healthcare, housing, and lifestyle spending often push expenses as high as or higher than working years. Understanding this reality is critical to protecting your retirement plan.

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What This Video Covers — And Why It Matters
Most retirement plans assume smooth, steady spending adjusted for inflation. Real life doesn’t work that way.
In this video, we break down why early retirement spending is often underestimated and how that mistake can create long-term financial stress — even for people who “did everything right.”
In this video, you’ll learn:
What the go-go, slow-go, and no-go phases of retirement really look like
Why spending often peaks in the first decade of retirement
How healthcare costs start rising earlier than most people expect
Why travel, hobbies, and lifestyle upgrades create “retirement lifestyle inflation”
Why housing costs don’t disappear — even if your mortgage does
How inflation disproportionately impacts retirees
How higher early-retirement spending increases sequence of returns risk
This video is especially important if you’re within 5–10 years of retirement or newly retired and want to stress-test your plan against real-world spending patterns — not assumptions.

About Me
I’m Josh Maly, president of MDRN Capital. I work primarily with people age 55+ who have accumulated $1–$5 million and are approaching or already in retirement.
My focus is on helping clients build retirement plans that are practical, realistic, and built around how money actually behaves — not industry rules of thumb that break down under pressure. That includes planning for retirement income, managing sequence of returns risk, navigating Social Security and Medicare decisions, and coordinating tax and estate planning with the right specialists.
I believe retirement planning should be straightforward, transparent, and designed to reduce stress — especially during the most active and expensive years of retirement.

Disclaimer
This video is for educational purposes only. Nothing in this video should be taken as financial, tax, legal, medical, or personal advice. Always do your own research and talk with a qualified professional before making decisions based on the information here. The opinions expressed are my own and may change over time. Any examples or scenarios are hypothetical and for illustration only. Past performance never guarantees future results.