Retirement Starts Today

Is Your Cautious Retirement Spending Doing More Harm Than Good?

July 6, 2026·25 min
Episode Description from the Publisher

The fear of running out of money in retirement turns out to be mostly backwards. For super-savers, the data says the opposite usually happens. A piece from Danielle Labotka at Morningstar makes the case that for a lot of retirees: Being too cautious with your spending is actually the bigger risk.  In our listener question segment: Anonymous wants to give money to her kids with warm hands, not cold. How much you can safely give today without putting your own retirement at risk? And then we'll wrap up with our Retire To Something segment: Dabbling in a little of everything. Resources: Article by Danielle Labotka at Morningstar: Is Your Cautious Retirement Spending Doing More Harm Than Good? Book by Bill Perkins: Die With Zero: Getting All You Can from Your Money and Your Life   Connect with Benjamin Brandt: Subscribe to the This Week in Retirement: http://thisweekinretirement.com Get the Retire-Ready Toolkit: http://retirementstartstodayradio.com Work with Benjamin: https://retirementstartstoday.com/start Get the book!Retirement Starts Today: Your Non-financial Guide to an Even Better Retirement Follow Retirement Starts Today in:Apple Podcasts, Spotify, Overcast, Pocket Casts, Amazon Music, or iHeart

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