Jul 3, 2026
What happens when you finally reach your retirement “number”…
and then have to start spending it?
In this thoughtful and highly relatable conversation, Russ
Ball sits down with Jeff Perry—recently retired financial
advisor—to explore one of the most overlooked challenges in
retirement: shifting from saving to spending. After decades of
focusing on accumulation, the transition to drawing down assets
brings both financial and emotional complexities that aren’t always
easy to prepare for.
Jeff shares his firsthand experience navigating those first
few months of retirement, offering an honest look at the
psychological hurdles that come with watching your portfolio
decrease rather than grow. Together, they discuss how to determine
sustainable withdrawal rates, the importance of truly understanding
your expenses (including the often-forgotten “life happens” costs),
and why having a clear plan can make all the difference in building
confidence.
The conversation also dives into practical strategies—like
guardrails, bucketing, and annual plan reviews—that can help
retirees stay on track while still enjoying their money. Perhaps
most importantly, this episode highlights the emotional side of
financial planning: overcoming fear, embracing flexibility, and
giving yourself permission to live the life you’ve worked so hard
to create.
#RetirementPlanning #FinancialAdvising #WealthManagement
#RetirementIncome #FinancialSecurity #ClientExperience
#PersonalFinance