What’s holding retirees back from enjoying their savings? This episode dives into “spendophobia”—the fear of spending money in retirement—even among those with plenty in the bank. Ryan Moore explores why lifelong habits are hard to break, how debt and emergencies impact financial plans, and why income is the outcome that matters most. Hear real stories about frugality, regret, and the importance of making memories over leaving inheritances. Plus, learn practical tips for organizing documents, managing 401(k)s, and building a retirement plan that fits your life.

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