Most retirees think the hard part is saving—but the real challenge starts when it’s time to spend. In this episode, Jon Hicks breaks down why so many retirement spending plans fall apart in the first few years and how early missteps can ripple through the rest of retirement. The conversation explores income versus savings, common spending mistakes, and why retirement should be treated like a marathon instead of a sprint. Using real-life scenarios, this episode highlights the role of written income and spending plans in helping retirees navigate expenses, anxiety, and long-term sustainability.

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