How To Shift Your Mindset From A Saver To A Spender In Retirement (Pro Tips)

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Saver ❌ 🔜 Spender ✅

You would be SHOCKED by the number of people who tell us:

“I know I’ve saved well and it’s time to spend in retirement, but it’s not easy. I’ve been saving for 40 years and now you want me to spend more than when I was working?!”

Let me be clear - we don’t want anything other than our clients to reach their goals.

And most of their goals don’t include passing away with $10M while they told us they want to travel in their early 60s.

It’s not a light switch that you can just switch off and be an incredible spender overnight.

You must first recognize you’re in a position to retire because you’re a good SAVER.

BUT far too often people don’t take a breath and shift their mindset.

They stay a great SAVER and sacrifice the years of optimal health and energy.

They may say they’re just worried to run out of money, but it normally goes much deeper than that.

It’s HARD to be a good spender when saving got you to the retirement position.

Now obviously you don’t want to be an OVERSPENDER, but we teach our clients how to be successful spenders.

The kind that spend guilt free knowing they worked hard for it. They deserve it. And they know how much they can spend without ever running out of money.

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Time Stamp
00:00 – Why This Episode Matters: A different approach, not a financial deep dive
01:30 – The Retirement Worksheet & Finding Your True Purpose
02:09 – Retiring To Something vs. Retiring From Work
03:19 – Why “Travel” Isn’t Always a Retirement Purpose
04:30 – Hawaii Homebuyers: The Danger of Not Testing Your Dream
07:00 – The Facials Story: Navigating Money & Friendship
08:07 – Dream Big: Build Your Retirement Plan Around Joy
09:30 – Spending More While You Still Can: Health, Energy, Joy
12:30 – Personal Spending Values: First-Class Flights vs. Therapy
13:50 – Smart Frugality: Spend on What You Love, Not What You Don’t
15:45 – How Much Can You Afford to Lose on a Passion Project?
16:35 – Final Thoughts: Stop Hiding Behind Acronyms, Dream Bigger

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PODCAST - https://earlyretirementpodcast.com/
INSTAGRAM -   / earlyretirementari  
LINKEDIN -   / aritaublieb  

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Ari Taublieb, CFP®, MBA, is the Vice President of Root Financial Partners (Fiduciary) and host of the Early Retirement Podcast.

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⚠️ "DISCLAIMER:⚠️

Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.

The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.

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