Many retirees save successfully but struggle to spend. Explore the psychology behind retirement spending, wealth perception, ...

Spending for the average retiree gradually declines by more than 30% between ages 60 and 85, according to a new J.P. Morgan report. Retirement spending is dynamic, with 60% of new retirees seeing ...

Retirement at 68 is not a vague dream or a rule-of-thumb number, it is a specific stage of life with a measurable price tag. By that age, most people have settled into Social Security, drawn down some ...

Here’s What Your Retirement Spending Rate Should Be in 2026 New research shows that flexible withdrawal strategies can help you spend more in retirement. Christine Benz and Margaret Giles Dec 5, 2025 ...

Retirement is not just about how much you save, it is about how ruthlessly you cut the spending that quietly drains those ...

If you’re trying to strategically plan your retirement, you might have heard of the “Spending Smile analogy. What it breaks down to is that spending will usually decrease at the beginning of ...

When you’re working, saving for retirement feels like the hard part. Once you’re retired, however, the challenge becomes spending in a disciplined fashion and according to a well-thought-out plan. For ...

It may not sound tough at first blush. But consider all the unknowns: how long you'll live; the need for costly health care or long-term care, perhaps decades from now; the future returns of stocks ...

A lot of people set a goal of being able to retire with $1 million. So if you’ve managed to save $4 million for retirement, you probably know that you’ve landed in a pretty good spot. This especially ...

Home Retirement Retirement Planning How to Calm Your Retirement Nerves When It's Time to Shift from Savings Mode to Spending Mode Transitioning from saving to spending in retirement can be tricky, but ...

How should investors and their advisors use our annual retirement-spending research? Let’s start with how they should not use it: as a guide for each year’s withdrawals once retirement has commenced.