The first year of retirement can shape how the rest of retirement feels—and many people don’t realize it until they’re already in it. In this episode, Abe Abich breaks down why the transition from saving to spending is often harder than expected and how mindset, income planning, and flexibility all play a role early on. The conversation explores why retirees tend to overspend or underspend, how a “spending plan” differs from a budget, and why it can take time to find a comfortable rhythm. Abe also explains why clarity around income helps retirees feel more confident using the money they’ve worked decades to build.

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