What if the hardest part of retirement isn’t saving money, but learning how to spend it? In this episode, Gary Garland explores the challenge many retirees face when they transition from decades of accumulating assets to actually using them. He discusses common fears around watching account balances decline, the impact of sequence of returns risk, and strategies for creating income streams designed to support retirement goals. Gary also explains how guardrails, guaranteed income sources, and thoughtful withdrawal strategies can help retirees make spending decisions with greater clarity. Retirement isn’t about spending blindly or hoarding every dollar. It’s about creating a plan that helps you balance enjoying life today while preparing for tomorrow.

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