Some people structure their retirement plan to spend more in their early years and rein it in over time. But it's that reigning in process that tends to trip people up. Donna and Nathan discuss when front-loading your retirement spending makes sense, and the importance of proper execution. Also, on MoneyTalk, the pros and cons of using target date funds, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 4/9/2026. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!