One of the biggest challenges of retirement is actually spending your money! After decades of working, saving, and investing, pivoting to spending down your accumulated wealth can be surprisingly difficult.

Christine Benz is the Director of Personal Finance and Retirement Planning at Morningstar. She's published numerous books on retirement, most recently, “How to Retire: 20 Lessons for a Happy, Successful and Wealthy Retirement.”

Each week, “At the Money” discusses an important topic in money management. From portfolio construction to taxes and cutting down on fees, join Barry Ritholtz to learn the best ways to put your money to work.