Is spending in retirement holding you back more than your savings ever did? From this past weekend’s radio show, Mike Douglas breaks down the challenge many retirees face when shifting from saving to spending. The episode explores how to evaluate big-ticket “splurges,” why confidence matters more than rigid rules, and how a structured plan can help prepare for both expected expenses and market downturns. Mike also covers the risks of one-size-fits-all advice and the importance of tax diversification when shaping a long-term retirement strategy.

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