I was so afraid to spend in retirement (not anymore!)

Описание: RESOURCES MENTIONED:
Boldin retirement planning software: https://hi.switchy.io/qGlDNet worth
Die with Zero: https://amzn.to/401wXk0
The Art of Spending Money: https://amzn.to/46BBv4b


After spending 10 years aggressively saving for early retirement, I hit a wall I never expected: I couldn't actually spend the money I'd worked so hard to save. The transition from accumulation to decumulation—from saver to spender—turned out to be one of the hardest parts of early retirement, and nobody in the FIRE community talks about it.

If you're experiencing spending anxiety in retirement, feeling guilty about using your own money, or struggling with the psychological shift from saving to spending—you're not alone. This is a real challenge that affects early retirees, especially those of us who are naturally anxious or spent years in extreme saving mode.

In this video, I'm sharing the specific strategies that helped me overcome retirement spending anxiety and finally get comfortable spending my retirement savings. These aren't just theoretical—these are the tools and mindset shifts I'm actually using to transition from accumulator to spender.

What I cover in this video:

Why spending money in early retirement feels so uncomfortable (even when you have plenty saved)
The importance of having a clear financial plan and drawdown strategy for retirement
How I use Boldin retirement planning software to model different spending scenarios
The money mindset shift that changed everything: money as a tool, not a goal
Book recommendations: "Die with Zero" and "The Art of Spending Money" by Morgan Housel
My "retirement paycheck" system to practice intentional spending every month
The regret minimization framework for retirement spending decisions
How to balance big experiences (travel, adventures) with small joys (classes, hobbies)
Moving from withdrawal strategies to actually withdrawing and spending

The bottom line: The transition from saving to spending in retirement is a real psychological challenge. If you've been a diligent saver your whole life, giving yourself permission to spend requires intentional practice and mindset work. But it's absolutely possible to get comfortable with retirement spending—and your retirement will be SO much better when you do.
Retirement planning tools mentioned:

RESOURCES MENTIONED:
Boldin retirement planning software: https://hi.switchy.io/qGlDNet worth
Die with Zero: https://amzn.to/401wXk0
The Art of Spending Money: https://amzn.to/46BBv4b