What if the real risk in retirement isn’t spending too much, but spending too little? This episode explores why many retirees hesitate to enjoy the money they’ve worked a lifetime to save, and how fear, planning gaps, and outdated assumptions shape those choices. Todd Kim unpacks the psychology behind retirement spending, the evolving role of annuities as personal pensions, and why guaranteed income can change how people view their savings. The conversation also looks beyond numbers, covering housing decisions, health realities, purposeful work, and the overlooked importance of having something to retire to, not just from. It’s a practical, candid look at how money, mindset, and meaning intersect later in life.

For more information and to schedule a complimentary consultation with Todd Kim, visit https://galileowealth.com.