Wealth Strategies Unleashed

3 Surprises About Retiree Spending Habits

October 30, 2025·25 min
Episode Description from the Publisher

Retirement spending doesn’t move in a straight line. In this episode of Wealth Strategies Unleashed, Robert Gilliland & Karen Heider unpack why real-life spending zigzags, and how most modern financial plans are rigid, leading to over-saving, over-spending, or both. They also show you how to build a flexible income plan that holds up in good and bad market conditions. They dig into: The myth of linear spending and why your first 5–10 years of retirement often cost more than pr...

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